Bay County property record for 17006 Hernando Ave, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,357 sqft · built 1997 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $465,000 (Jun 2025) |
| Tax Bill | $3,240 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 33438-011-000 |
| Primary APN | 33438-011-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,357 sqft Heated Area |
| Gross Area | 1,909 sqft |
| 1st Floor Area | 1,357 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,492 sqft (0.171 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Area | 510 sqft |
| Driveway | Driveway |
| Driveway Area | 900 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 84 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 17006 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 11 BLK 10 MAP-29B3 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 19 |
| Legal Subdivision | EL CENTRO BEACH |
| Legal Block | 10 |
| Legal Lot Number | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 2703 |
Source: Bay County records, as of January 23, 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 | 5 LULL ST, EAST LONGMEADOW, MA 01028-1656 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2025 · Amount on Record |
| Deed Sale | Jun 10, 2025 · Amount on Record |
| Prior Sale | Nov 1, 2022 · Amount on Record |
| Deed Document Number | 2025032245 |
| Deed Book / Page | 4921 / 436 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 1, 2022 |
| Property Address | 17006 HERNANDO AVE, PANAMA CITY BEACH, FL 32413-2336 |
| Document Number | 0046261618 |
| Book / Page | 4626 / 1618 |
| Map Reference | MB 9 PG 8-8B |
| Instrument Date | Oct 11, 2022 |
| Instrument | 2022079621 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4201 E HIGHWAY 39011103, 4201, PANAMA CITY, FL 32404 |
| Name | Verified Name |
|---|---|
| Address | 5010 COLUMBINE ST, EL PASO, TX 79922-2012 |
| Document Number | 0046261620 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 4626/1620 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,240.00 (-16.99%) | $296,894 (-8.3%) Land $101,336 Building $195,558 | $296,894 (-8.3%) Land $101,336 Building $195,558 |
| 2023 | $3,903.00 (+151.97%) | $323,756 (+102.48%) Land $87,496 Building $236,260 | $323,756 (+61.77%) Land $87,496 Building $236,260 |
| 2022 | $1,549.00 Homeowner's exemption Widower's exemption | $159,892 | $200,135 Land $79,180 Building $120,955 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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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