1543 Oak Ave, Panama City, FL 32405 Property Records

Bay County property record for 1543 Oak Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,412 sqft · built 1943
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on File
Last Sale	$39,500 (Feb 2023)
Tax Bill	$347 (2025)
Deeds & Mortgages	Feb 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14393-000-000`

Property Details

APN / Parcel Number

Primary APN	`14393-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,412 sqft Living Area
1st Floor Area	1,412 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1943
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
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	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Unfinished Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1543 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 25 & N1/2 LOT 24 BLK D ORB 4660 P 1937
Legal Range	14W
Legal Township	03S
Legal Section	32
Legal Subdivision	MAYFIELD SUBD
Legal Block	D
Legal Lot Number	25,24
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	2000

Owner

1543 Oak Ave is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1543 OAK AVE, PANAMA CITY, FL 32405-4624
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2023 · Amount on File
Deed Sale	Feb 27, 2023 · Amount on File
Prior Sale	Oct 2, 2003 · Amount on File
Deed Document Number	202311346
Deed Book / Page	4660 / 1937
Prior Transfer Date	Feb 24, 2023
Prior Transfer Doc	0046601937
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Feb 27, 2023
Property Address	1543 OAK AVE, PANAMA CITY, FL 32405-4624
Document Number	0046601937
Book / Page	4660 / 1937
Map Reference	MB 2 PG 5
Instrument Date	Feb 24, 2023
Instrument	2023011346
Transaction Type	Transfer
Record Updated	Mar 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1543 OAK AVE, PANAMA CITY, FL 32405-4624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1543 OAK AVE, PANAMA CITY, FL 32405-4624

Tax Assessment & Valuation

The 2025 property tax bill for 1543 Oak Ave was $347 with exemptions applied, down 28.9% 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	$347.00 (-28.89%) Homeowner's exemption Widower's exemption	$55,991	$131,221 Land $35,280 Building $95,941
2024	$488.00 (-9.63%)
2023	$540.00 (-44.5%) Homeowner's exemption Widower's exemption	$52,828 (-25.31%)	$100,658 (+37.08%) Land $22,858 Building $77,800
2022	$973.00 Homeowner's exemption Widower's exemption	$70,732	$73,431 Land $18,742 Building $54,689

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

Flood

FEMA maps place 1543 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 1543 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.

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 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.

Nearby Properties on Oak Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures