16902 Junipero Ave, Panama City Beach, FL 32413 Property Records

Bay County property record for 16902 Junipero Ave, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,013 sqft · built 1997
Lot Size	0.151 acres (6,578 sqft)
Owner	2 Company Names on Record
Last Sale	$460,000 (Dec 2023)
Tax Bill	$3,135 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`33460-020-000`

Property Details

APN / Parcel Number

Primary APN	`33460-020-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,013 sqft Heated Area
Gross Area	1,544 sqft
1st Floor Area	1,013 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2017
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,578 sqft (0.151 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	736 sqft

Exterior Amenities

Porch	Porch
Porch Area	111 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	16902 JUNIPERO AVE
City	PANAMA CITY BEACH
State	FL
Zip	32413-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB22
Legal Description	EL CENTRO BEACH LOT 4 BLK 15 ORB 4757 P 172 MAP-29B3
Legal Range	16W
Legal Township	03S
Legal Section	19
Legal Subdivision	EL CENTRO BEACH
Legal Block	15
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	2
Census Block	2024
Census Tract	2703

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	76 LAKE FOREST BLVD SW, HUNTSVILLE, AL 35824-4011
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Dec 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 13, 2023 · Amount on Record
Deed Sale	Dec 13, 2023 · Amount on Record
Prior Sale	Dec 10, 2018 · Amount on Record
Deed Document Number	2023077181
Deed Book / Page	4757 / 172
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 13, 2023
Property Address	16902 JUNIPERO AVE, PANAMA CITY BEACH, FL 32413-2322
Document Number	0047570172
Book / Page	4757 / 172
Map Reference	MB 9 PG 8
Instrument Date	Dec 8, 2023
Instrument	2023077181
Transaction Type	Transfer
Record Updated	Jan 1, 2024
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9620 LAS VEGAS BLVD S # S267, S267, LAS VEGAS, NV 89123-6507

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	76 LAKE FOREST BLVD SW, HUNTSVILLE, AL 35824-4011

Mortgage

Document Number	0004757177
Date	Dec 13, 2023
Instrument	4757/177

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	2%
Max Rate At Change	13.3%
Margin	3
Max Rate	13.3%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 10, 2018
Property Address	16902 JUNIPERO AVE, PANAMA CITY BEACH, FL 32413-2322
Document Number	0040672105
Book / Page	004067 / 002105
Instrument Date	Dec 7, 2018
Instrument	73417
Transaction Type	Transfer
Record Updated	Jan 8, 2019

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8020 LAS VEGAS BLVD S #67 LAS VEGAS NV 891231014, 67, LAS VEGAS, NV 89123-1014

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City Beach
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,135.00 (+18.21%)	$287,328 (+18.89%) Land $140,676 Building $146,652	$287,328 (+8.19%) Land $140,676 Building $146,652
2023	$2,652.00 (+10.73%) Homeowner's exemption	$241,679 (+3%)	$265,575 (+13.18%) Land $119,700 Building $145,875
2022	$2,395.00 Homeowner's exemption	$234,640 Land $99,465 Building $135,175	$234,640 Land $99,465 Building $135,175

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 202 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2,183 units insured incl. 1,981 condo units
Nearby Flood Claims	220 (1982–2020)
Claims Outside the SFHA	127 of 220
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Dennis, Jul 2005 · 23 claims Hurricane Georges, Sep 1998 · 23 claims Hurricane Opal, Oct 1995 · 105 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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	CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Apr 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 395 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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