Bay County property record for 15520 Gainer Rd, Youngstown, FL 32466
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1979 |
| Lot Size | 18 acres (784,080 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $997 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 04978-030-000 |
| Primary APN | 04978-030-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 784,080 sqft (18 acres) |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 363 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15520 GAINER RD |
|---|---|
| City | YOUNGSTOWN |
| State | FL |
| Zip | 32466-2502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC02 |
| Legal Description | 1 1S 13W -4.3- MAP 153 S 1/3 OF THAT PART OF S1/2 OF NW1/4 LYING E OF CO RD ORB 4771 P 454 |
| Legal Range | 13W |
| Legal Township | 01S |
| Legal Section | 01 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 302 |
15520 Gainer Rd is owned and occupied by two individuals who acquired it in February 2024.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15520 GAINER RD, YOUNGSTOWN, FL 32466-2502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 Transfer Date | Feb 6, 2024 |
| Transfer Doc | 0047710454 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 6, 2024 |
| Property Address | 15520 GAINER RD, YOUNGSTOWN, FL 32466-2502 |
| Document Number | 0047710454 |
| Book / Page | 4771 / 454 |
| Instrument Date | Feb 6, 2024 |
| Instrument | 2024006577 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15520 GAINER RD, YOUNGSTOWN, FL 32466-2502 |
| Name | Verified Name |
|---|---|
| Address | 15520 GAINER RD, YOUNGSTOWN, FL 32466-2502 |
The 2025 property tax bill for 15520 Gainer Rd was $997 with a homeowner's exemption, down 0.1% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $997.00 (-0.1%) Homeowner's exemption | $120,254 | $151,845 Land $65,475 Building $86,370 |
| 2024 | $998.00 (+6.62%) | ||
| 2023 | $936.00 (+11.43%) Homeowner's exemption | $110,665 (+3%) | $144,519 (+4.66%) Land $64,800 Building $79,719 |
| 2022 | $840.00 Homeowner's exemption | $107,442 | $138,085 Land $64,800 Building $73,285 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15520 Gainer Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 20 in force |
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 15520 Gainer Rd is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| Verizon Fixed Wireless | 25 / 6 |
5G (outdoors only) and 4G LTE
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