15529 Gainer Rd, Youngstown, FL 32466 Property Records

Bay County property record for 15529 Gainer Rd, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,440 sqft · built 1982
Lot Size	8.83 acres (384,809 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Sep 2021)
Tax Bill	$4,388 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04978-040-000`

Property Details

APN / Parcel Number

Primary APN	`04978-040-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,440 sqft Living Area
1st Floor Area	2,440 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	384,809 sqft (8.83 acres)
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	228 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15529 GAINER RD
City	YOUNGSTOWN
State	FL
Zip	32466-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC02
Legal Description	1 1S 13W -4.4- MAP 153 BEG 2047.59 S OF NW COR OF SEC FOR POB TH CONT S 602.69 TH E 667.54 TO WLY R/W LINE OF GAINER RD TH RUN NELY ALONG SAID R/W 522.28 TH RUN N82 DEG W 701.27 TO POB ORB 4456 P 1049
Legal Range	13W
Legal Township	01S
Legal Section	01
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	2
Census Block	2007
Census Tract	302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	15529 GAINER RD, YOUNGSTOWN, FL 32466-1813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Warranty Deed, Transfer · VA Mortgage US BANK NA
Sep 13, 2017	Warranty Deed, Transfer · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Prior Sale	Sep 13, 2017 · Amount on Record
Deed Document Number	202168113
Deed Book / Page	4456 / 1049
Prior Transfer Date	Oct 8, 2014
Prior Transfer Doc	0036470220
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 3, 2021
Property Address	15529 GAINER RD, YOUNGSTOWN, FL 32466-1813
Document Number	0044561049
Book / Page	4456 / 1049
Instrument Date	Aug 18, 2021
Instrument	2021068113
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	NOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6911 HAYES RD, 6911, PANAMA CITY, FL 32409-1435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15529 GAINER RD, YOUNGSTOWN, FL 32466-1813

Mortgage

Document Number	44561051
Date	Sep 3, 2021
Instrument	4456/1051

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 13, 2017
Property Address	15529 GAINER RD, YOUNGSTOWN, FL 32466-1813
Document Number	0039352188
Book / Page	003935 / 002188
Instrument Date	Sep 11, 2017
Instrument	51914
Transaction Type	Transfer
Record Updated	Oct 2, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15529 GAINER RD YOUNGSTOWN FL 324661813, YOUNGSTOWN, FL 32466-1813

Mortgage

Document Number	39352190
Date	Sep 13, 2017
Book Page	003935/002190
Instrument	51915

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2047

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,388.00 (+4.93%)	$354,679 (+5.27%) Land $48,346 Building $306,333	$354,679 (+5.27%) Land $48,346 Building $306,333
2024	$4,182.00 (-1.81%)
2023	$4,259.00 (+17.88%)	$336,916 (+8.85%) Land $47,859 Building $289,057	$336,916 (+8.85%) Land $47,859 Building $289,057
2022	$3,613.00	$309,525 Land $47,859 Building $261,666	$309,525 Land $47,859 Building $261,666

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

Flood

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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