Bay County property record for 17004 Hernando Ave, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,296 sqft · built 1997 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Jul 2013) |
| Tax Bill | $1,264 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 33438-010-000 |
| Primary APN | 33438-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 1,756 sqft |
| 1st Floor Area | 1,296 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Driveway | Driveway |
| Driveway Area | 855 sqft |
| Porch | Open Porch |
| Porch Area | 344 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 17004 HERNANDO AVE |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-2336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PCB16 |
| Legal Description | EL CENTRO BEACH LOT 10 BLK 10 MAP-29B3 ORB 3527 P 971 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 19 |
| Legal Subdivision | EL CENTRO BEACH |
| Legal Block | 10 |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 2703 |
17004 Hernando Ave is owned and occupied by an individual who bought it in July 2013.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 17004 HERNANDO AVE, PANAMA CITY BEACH, FL 32413-2336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2013 · Amount on File |
| Deed Sale | Jul 9, 2013 · Amount on File |
| Prior Sale | May 3, 2001 · Amount on File |
| Deed Document Number | 201340199 |
| Deed Book / Page | 3527 / 971 |
| Prior Transfer Date | Feb 27, 2009 |
| Prior Transfer Doc | 0031340370 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 17004 Hernando Ave was $1,264 with a homeowner's exemption, down 19.3% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City Beach |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,264.00 (-19.28%) Homeowner's exemption | $154,000 | $250,947 Land $101,336 Building $149,611 |
| 2024 | $1,566.00 (+6.75%) | ||
| 2023 | $1,467.00 (+16.06%) Homeowner's exemption | $145,301 (+8.09%) | $232,671 (+33.2%) Land $87,496 Building $145,175 |
| 2022 | $1,264.00 Homeowner's exemption | $134,426 | $174,680 Land $79,180 Building $95,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 17004 Hernando Ave in Zone X, an area of minimal flood risk, though there have been 220 flood claims nearby since 1982.
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 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 |
|
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 17004 Hernando Ave is low, with 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 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.
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 |
| 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.
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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