Bay County property record for 1527 Oak Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,670 sqft · built 1947 |
| Lot Size | 0.241 acres (10,497 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $128,500 (Feb 2005) |
| Tax Bill | $1,848 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14385-000-000 |
| Primary APN | 14385-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,670 sqft Living Area |
| 1st Floor Area | 1,550 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,497 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 540 sqft |
| Porch | Florida Room |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1527 OAK AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | MAYFIELD SUBD. LOT 15 & S1/2 LOT 16 BLK D MAP 91D4 ORB 2564 P 855 & 856 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 32 |
| Legal Subdivision | MAYFIELD SUBD |
| Legal Block | D |
| Legal Lot Number | 15,16 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 2000 |
1527 Oak Ave is owned by two individuals who bought it in February 2005.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 722 FREDERICK ST, PANAMA CITY, FL 32405-3918 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2005 · Amount on File |
| Deed Sale | Feb 15, 2005 · Amount on File |
| Deed Document Number | 200511658 |
| Deed Book / Page | 2564 / 856 |
| Prior Transfer Date | Jan 19, 2005 |
| Prior Transfer Doc | 0025640855 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1527 Oak Ave was $1,848, down 6.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,848.00 (-6.95%) | $117,021 Land $35,280 Building $81,741 | $117,021 Land $35,280 Building $81,741 |
| 2024 | $1,986.00 (+4.64%) | ||
| 2023 | $1,898.00 (+13.93%) | $100,689 (+12.13%) Land $22,858 Building $77,831 | $100,689 (+12.13%) Land $22,858 Building $77,831 |
| 2022 | $1,666.00 | $89,795 Land $18,742 Building $71,053 | $89,795 Land $18,742 Building $71,053 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1527 Oak Ave in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 1983.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 69 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 69 in force |
| Nearby Flood Claims | 55 (1983–2020) |
| Claims Outside the SFHA | 19 of 55 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1527 Oak Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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