Bay County property record for 1546 Cincinnati Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,761 sqft · built 1962 |
| Lot Size | 0.932 acres (40,598 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $342,000 (Dec 2002) |
| Tax Bill | $5,229 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28969-000-000 |
| Primary APN | 28969-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,761 sqft Heated Area |
| Gross Area | 6,848 sqft |
| 1st Floor Area | 3,161 sqft |
| 2nd Floor Area | 600 sqft |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 40,598 sqft (0.932 acres) |
| Lot Dimensions | 290 ft deep x 140 ft wide |
| Garage Area | 576 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 378 sqft |
| Deck Area | 603 sqft |
| Patio Area | 603 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1546 CINCINNATI AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC01 |
| Legal Description | 36 3S 15W E1/2 OF SW1/4 LOTS 15,16,17,18 BLK 30 ORB 2219 P 795 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Block | 30 |
| Legal Lot Number | 15-18 16 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 2400 |
The current owner of 1546 Cincinnati Ave bought it in December 2002.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1546 CINCINNATI AVE, PANAMA CITY, FL 32401-1226 |
| Occupancy | Owner Occupied |
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 | Dec 20, 2002 · Amount on File |
| Deed Sale | Dec 20, 2002 · Amount on File |
| Deed Document Number | 0002219795 |
| Deed Book / Page | 2219 / 795 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1546 CINCINNATI AVE, PANAMA CITY, FL 32401-1226 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0040520343 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 4052/0343 |
| Instrument | 2018058529 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 1546 Cincinnati Ave was $5,229 with exemptions applied.
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 | $5,229.00 Homeowner's exemption Widower's exemption | $378,156 | $445,808 Land $120,658 Building $325,150 |
| 2023 | $3,623.00 (+3.96%) Homeowner's exemption Widower's exemption | $250,524 (+3%) | $266,952 (+6.88%) Land $99,590 Building $167,362 |
| 2022 | $3,485.00 Homeowner's exemption Widower's exemption | $243,227 | $249,769 Land $93,972 Building $155,797 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1546 Cincinnati Ave in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 44 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 157 units insured incl. 113 condo units |
| Nearby Flood Claims | 56 (1979–2021) |
| Claims Outside the SFHA | 29 of 56 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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 1546 Cincinnati 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 98% of the US · lower than 97.6% 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 317 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 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures