1528 Oak Ave, Panama City, FL 32405 Property Records

Bay County property record for 1528 Oak Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,227 sqft · built 1957
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on File
Last Sale	$182,500 (Dec 2005)
Tax Bill	$888 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14359-000-000`

Property Details

APN / Parcel Number

Primary APN	`14359-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,227 sqft Living Area
1st Floor Area	2,227 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Concrete Block
Construction Type	Concrete Block
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	Carport
Garage Area	325 sqft
Carport	Carport
Carport Area	325 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	264 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1528 OAK AVE
City	PANAMA CITY
State	FL
Zip	32405-4625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	MAYFIELD SUBD. LOT 20 & S1/2 LOT 21 BLK C ORB 3934 P 2044
Legal Range	14W
Legal Township	03S
Legal Section	32
Legal Subdivision	MAYFIELD SUBD
Legal Block	C
Legal Lot Number	20,21
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2002
Census Tract	2000

Owner

1528 Oak Ave is owned and occupied by an individual who acquired it in September 2017.

Source: Bay County records, as of March 5, 2026

Owner of Record	Individual Name on File
Mailing Address	1528 OAK AVE, PANAMA CITY, FL 32405-4625
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 12, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Sep 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2005 · Amount on File
Deed Sale	Dec 1, 2005 · Amount on File
Deed Document Number	200593915
Deed Book / Page	2708 / 726
Last Transfer Date	Sep 1, 2017
Transfer Doc	0039342044
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1528 OAK AVE, PANAMA CITY, FL 32405-4625
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044291652
Date	Jul 6, 2021
Book Page	4429/1652
Instrument	2021051157

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jun 1, 2036

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1528 OAK AVE, PANAMA CITY, FL 32405-4625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040991725
Date	Mar 12, 2019
Book Page	4099/1725
Instrument	2019026405

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Nov 27, 2048

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 7, 2017
Property Address	1528 OAK AVE, PANAMA CITY, FL 32405-4625
Document Number	0039342044
Book / Page	003934 / 002044
Instrument Date	Aug 30, 2017
Instrument	51184
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1528 OAK AVE PANAMA CITY FL 324054625, PANAMA CITY, FL 32405-4625

Tax Assessment & Valuation

The 2025 property tax bill for 1528 Oak Ave was $888 with a homeowner's exemption, down 11.2% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$888.00 (-11.2%) Homeowner's exemption	$98,298	$136,179 Land $35,280 Building $100,899
2024	$1,000.00 (-7.15%)
2023	$1,077.00 (-0.83%) Homeowner's exemption	$92,746 (+3%)	$118,961 (+12.03%) Land $22,858 Building $96,103
2022	$1,086.00 Homeowner's exemption	$90,045	$106,185 Land $18,742 Building $87,443

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1528 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	Hurricane Sally, Sep 2020 · 4 claims Hurricane Michael, Oct 2018 · 12 claims Hurricane Opal, Oct 1995 · 14 claims

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

Wildfire risk around 1528 Oak Ave is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 253 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	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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