Bay County property record for 1542 Oak Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,434 sqft · built 1945 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,980 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14364-000-000 |
| Primary APN | 14364-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,434 sqft Heated Area |
| Gross Area | 1,762 sqft |
| 1st Floor Area | 1,434 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 13,983 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Area | 228 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 256 sqft |
| Patio Area | 100 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1542 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. LOTS 26 & 27 BLK C ORB 3913 P 888 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 32 |
| Legal Subdivision | MAYFIELD |
| Legal Block | C |
| Legal Lot Number | 26,27 27 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 2000 |
1542 Oak Ave is owned by an individual who acquired it in September 2025.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2934 HARRISON AVE UNIT D, D, PANAMA CITY, FL 32405-8012 |
| 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 | Sep 24, 2025 |
| Deed Sale | Sep 24, 2025 |
| Prior Sale | Jan 5, 2009 |
| Deed Document Number | 2025054922 |
| Deed Book / Page | 4955 / 1393 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 24, 2025 |
| Property Address | 1542 OAK AVE, PANAMA CITY, FL 32405-4625 |
| Document Number | 0049551393 |
| Book / Page | 4955 / 1393 |
| Map Reference | MB 2 PG 5 |
| Instrument Date | Sep 16, 2025 |
| Instrument | 2025054922 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8901 CREEK RUN RD, YOUNGSTOWN, FL 32466-2695 |
| Name | Verified Name |
|---|---|
| Address | 2934 HARRISON AVE UNIT D, D, PANAMA CITY, FL 32405-8012 |
| Document Number | 0049551397 |
|---|---|
| Date | Sep 24, 2025 |
| Book Page | 4955/1397 |
| Instrument | 2025054924 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2025 property tax bill for 1542 Oak Ave was $1,980, up 112.7% from the year before.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,980.00 (+112.67%) | $125,393 (+37.58%) Land $47,040 Building $78,353 | $125,393 (+9.2%) Land $47,040 Building $78,353 |
| 2024 | $931.00 (-5.19%) Homeowner's exemption | $91,141 (+3%) | $114,826 (+7.24%) Land $39,690 Building $75,136 |
| 2023 | $982.00 (-1.5%) Homeowner's exemption | $88,486 (+3%) | $107,074 (+12.35%) Land $30,478 Building $76,596 |
| 2022 | $997.00 Homeowner's exemption | $85,909 | $95,305 Land $24,990 Building $70,315 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1542 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 1542 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.
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 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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