16903 Junipero Ave, Panama City Beach, FL 32413 Property Records

Bay County property record for 16903 Junipero Ave, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,487 sqft · built 2003
Lot Size	0.222 acres (9,670 sqft)
Owner	Company Name on Record
Last Sale	$609,000 (Aug 2022)
Tax Bill	$4,976 (2025)
Deeds & Mortgages	Feb 2023 Sale Aug 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`33468-000-000`

Property Details

APN / Parcel Number

Primary APN	`33468-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,487 sqft Living Area
Gross Area	2,039 sqft
1st Floor Area	1,487 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,670 sqft (0.222 acres)
Lot Dimensions	88 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	552 sqft
Driveway	Driveway
Driveway Area	378 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	276 sqft
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16903 JUNIPERO AVE
City	PANAMA CITY BEACH
State	FL
Zip	32413-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCB22
Legal Description	EL CENTRO BEACH MAP-29B3 LOT 10 BLK 16 ORB 4654 P 355
Legal Range	16W
Legal Township	03S
Legal Section	19
Legal Subdivision	EL CENTRO BEACH
Legal Block	16
Legal Lot Number	10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	2
Census Block	2031
Census Tract	2703

Owner

Source: Bay County records, as of April 13, 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	Company Name on Record
Mailing Address	2731 PARTRIDGE LN, AUBURN, AL 36879-4553
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Warranty Deed, Transfer
Aug 12, 2022	Warranty Deed, Transfer · Line of Credit CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2022 · Amount on Record
Deed Sale	Aug 12, 2022 · Amount on Record
Prior Sale	Feb 1, 2007 · Amount on Record
Deed Document Number	202260185
Deed Book / Page	4598 / 1592
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 3, 2023
Property Address	16903 JUNIPERO AVE, PANAMA CITY BEACH, FL 32413-2346
Document Number	0046540355
Book / Page	4654 / 355
Map Reference	MB 9 PG 8
Instrument Date	Jan 4, 2023
Instrument	2023006740
Transaction Type	Transfer
Record Updated	Feb 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2731 PARTRIDGE LN, AUBURN, AL 36879-4553

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2731 PARTRIDGE LN, AUBURN, AL 36879-4553

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 12, 2022
Property Address	16903 JUNIPERO AVE, PANAMA CITY BEACH, FL 32413-2346
Document Number	0045981592
Book / Page	4598 / 1592
Map Reference	MB 9 PG 8
Instrument Date	Aug 12, 2022
Instrument	2022060185
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,263.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1219 W 8TH ST, 1219, PANAMA CITY, FL 32401-2103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2731 PARTRIDGE LN, AUBURN, AL 36879-4553

Mortgage

Document Number	0045981594
Date	Aug 12, 2022
Book Page	4598/1594
Instrument	2022060186

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

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	$4,976.00 (-6.89%)	$455,934 (+9.03%) Land $236,188 Building $219,746	$455,934 (+9.03%) Land $236,188 Building $219,746
2024	$5,344.00 (+6.35%)
2023	$5,025.00 (+58.92%)	$418,165 (+44.69%) Land $200,970 Building $217,195	$418,165 (+44.69%) Land $200,970 Building $217,195
2022	$3,162.00	$288,999 Land $166,996 Building $122,003	$288,999 Land $166,996 Building $122,003

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

Nearby Properties on Junipero Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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