Bay County property record for 1702 Gainer Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 1988 |
| Lot Size | 0.235 acres (10,280 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $79,800 (Oct 2003) |
| Tax Bill | $320 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14898-010-000 |
| Primary APN | 14898-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,288 sqft Heated Area |
| Gross Area | 1,800 sqft |
| 1st Floor Area | 1,288 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,280 sqft (0.235 acres) |
| Lot Dimensions | 172 ft deep x 60 ft wide |
| Garage Area | 240 sqft |
| Driveway | Driveway |
| Driveway Area | 390 sqft |
| Porch | Porch |
| Porch Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1702 GAINER AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-7411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR GROVE HEIGHTS LOT 4 BLK D ORB 1325 P 960 ORB 2344 P 1043 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | CEDAR GROVE HEIGHTS |
| Legal Block | D |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1200 |
The current owner of 1702 Gainer Ave bought it in October 2003.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1702 GAINER AVE, PANAMA CITY, FL 32405-7411 |
| Occupancy | Owner Occupied |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2003 · Amount on File |
| Deed Sale | Oct 28, 2003 · Amount on File |
| Prior Sale | Sep 26, 2003 · Amount on File |
| Deed Document Number | 2003-080519 |
| Deed Book / Page | 2357 / 2179 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1702 Gainer Ave was $320 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $320.00 Homeowner's exemption | $52,034 | $110,055 Land $24,648 Building $85,407 |
| 2023 | $341.00 (+13.29%) Homeowner's exemption | $49,095 (+3%) | $89,421 (+13.02%) Land $19,968 Building $69,453 |
| 2022 | $301.00 Homeowner's exemption | $47,665 | $79,118 Land $16,099 Building $63,019 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1702 Gainer Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2018.
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 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 9 (2018–2020) |
| Claims Outside the SFHA | 8 of 9 |
| 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 1702 Gainer Ave is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 392 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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