Bay County property record for 1541 Oak Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,382 sqft · built 1947 |
| Lot Size | 0.241 acres (10,497 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Jul 2024) |
| Tax Bill | $3,045 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14392-000-000 |
| Primary APN | 14392-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,382 sqft Living Area |
| 1st Floor Area | 1,382 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,497 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Driveway | Driveway |
| Driveway Area | 360 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 350 sqft |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1541 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 23 & S1/2 LOT 24 BLK D MAP 91D4 ORB 4820 P 704 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 32 |
| Legal Subdivision | MAYFIELD SUBD |
| Legal Block | D |
| Legal Lot Number | 23,24 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 2000 |
1541 Oak Ave is owned by two individuals who bought it in July 2024.
Source: Bay County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2603 KATIE MARIE LN, LYNN HAVEN, FL 32444-4794 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 | Jul 11, 2024 · Amount on File |
| Deed Sale | Jul 11, 2024 · Amount on File |
| Prior Sale | May 23, 2022 · Amount on File |
| Deed Document Number | 202440745 |
| Deed Book / Page | 4820 / 704 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 23, 2022 |
| Property Address | 1541 OAK AVE, PANAMA CITY, FL 32405-4624 |
| Document Number | 0045671439 |
| Book / Page | 4567 / 1439 |
| Map Reference | MB 2 PG 5 |
| Instrument Date | May 20, 2022 |
| Instrument | 2022039058 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3038 MEADOW ST, 3038, LYNN HAVEN, FL 32444-5671 |
| Name | Verified Name |
|---|---|
| Address | 1541 OAK AVE, PANAMA CITY, FL 32405-4624 |
| Document Number | 0045671442 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 4567/1442 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 1541 Oak Ave was $3,045, down 2.6% 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 | $3,045.00 (-2.56%) | $192,848 Land $35,280 Building $157,568 | $192,848 Land $35,280 Building $157,568 |
| 2024 | $3,125.00 (+2.56%) | ||
| 2023 | $3,047.00 (+150.37%) | $174,229 (+177.93%) Land $22,858 Building $151,371 | $174,229 (+177.93%) Land $22,858 Building $151,371 |
| 2022 | $1,217.00 | $62,688 Land $18,742 Building $43,946 | $62,688 Land $18,742 Building $43,946 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1541 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 |
|
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 1541 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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