1536 Oak Ave, Panama City, FL 32405 Property Records

Bay County property record for 1536 Oak Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,332 sqft · built 1961
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$228,000 (Mar 2025)
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`14363-000-000`

Property Details

APN / Parcel Number

Primary APN	`14363-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,332 sqft Heated Area
Gross Area	1,396 sqft
1st Floor Area	1,332 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2011
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	112 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1536 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 25 BLK C ORB 4892 P 589
Legal Range	14W
Legal Township	03S
Legal Section	32
Legal Subdivision	MAYFIELD
Legal Block	C
Legal Lot Number	25
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2002
Census Tract	2000

Owner

1536 Oak Ave is owned and occupied by an individual who bought it in March 2025.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1534 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
Dec 7, 2020	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
Jan 24, 2020	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2025 · Amount on File
Deed Sale	Mar 11, 2025 · Amount on File
Prior Sale	Dec 7, 2020 · Amount on File
Deed Document Number	2025013173
Deed Book / Page	4892 / 589
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 7, 2020
Property Address	1536 OAK AVE, PANAMA CITY, FL 32405-4625
Document Number	0043331989
Book / Page	4333 / 1989
Map Reference	MB 2 PG 5
Instrument Date	Nov 30, 2020
Instrument	2020082394
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SOUTH OAK TTL PANAMA CITY BE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 OXFORD AVE, 209, PANAMA CITY BEACH, FL 32413-2835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1536 OAK AVE, PANAMA CITY, FL 32405-4625

Mortgage

Document Number	0043331991
Date	Dec 7, 2020
Instrument	4333/1991

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 24, 2020
Property Address	1536 OAK AVE, PANAMA CITY, FL 32405-4625
Document Number	0042142010
Book / Page	004214 / 002010
Instrument Date	Dec 6, 2019
Instrument	6067
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 OXFORD AVE PANAMA CITY FL 324132835, PANAMA CITY, FL 32413-2835

Tax Assessment & Valuation

The 2025 property tax bill for 1536 Oak Ave was $1,590 with a homeowner's exemption.

Source: Bay County assessment roll, as of July 1, 2025

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	$1,590.00 Homeowner's exemption	$142,747	$164,489 Land $23,520 Building $140,969
2023	$1,821.00 (+3.47%) Homeowner's exemption	$136,199 (+3.55%)	$152,522 (+15.96%) Land $15,239 Building $137,283
2022	$1,760.00 Homeowner's exemption	$131,533 Land $12,495 Building $119,038	$131,533 Land $12,495 Building $119,038

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1536 Oak Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 1536 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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