1703 Calhoun Ave, Panama City, FL 32405 Property Records

Bay County property record for 1703 Calhoun Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 1956
Lot Size	0.212 acres (9,234 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (Dec 2017)
Tax Bill	$150 (2024)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2025 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29362-000-000`

Property Details

APN / Parcel Number

Primary APN	`29362-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,508 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,234 sqft (0.212 acres)
Lot Dimensions	140 ft deep x 66 ft wide
Driveway	Driveway
Driveway Area	720 sqft
Porch	Unfinished Open Porch
Porch Area	708 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1703 CALHOUN AVE
City	PANAMA CITY
State	FL
Zip	32405-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	36 3S 15W SE 1/4 LOT 8 BLK 14 ORB 3963 P 1283
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	SEC 36-T3S-R15W SE1/4
Legal Block	14
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1036
Census Tract	2300

Owner

1703 Calhoun Ave is owned and occupied by an individual who acquired it in October 2025.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	1703 CALHOUN AVE, PANAMA CITY, FL 32405-2621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 30, 2025	Intrafamily Transfer, Transfer · Construction Mortgage UNLOCK PARTNERSHIP SOLUTIONS AOI IN
Dec 14, 2017	Warranty Deed, Transfer OMEGA TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2017 · Amount on File
Deed Sale	Dec 14, 2017 · Amount on File
Prior Sale	Apr 3, 2006 · Amount on File
Deed Document Number	201772030
Deed Book / Page	3963 / 1283
Last Transfer Date	Oct 23, 2025
Transfer Doc	0049672276
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1703 CALHOUN AVE, PANAMA CITY, FL 32405-2621
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1703 CALHOUN AVE, PANAMA CITY, FL 32405-2621

Mortgage

Document Number	0046801271
Date	Apr 20, 2023
Book Page	4680/1271
Instrument	2023024345

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Oct 30, 2025
Property Address	1703 CALHOUN AVE, PANAMA CITY, FL 32405-2621
Document Number	0049672276
Book / Page	4967 / 2276
Instrument Date	Oct 23, 2025
Instrument	2025062996
Transaction Type	Transfer
Record Updated	Nov 24, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1703 CALHOUN AVE, PANAMA CITY, FL 32405-2621

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1703 CALHOUN AVE, PANAMA CITY, FL 32405-2621

Mortgage

Document Number	0049672279
Date	Oct 30, 2025
Instrument	4967/2279

Lender

Name	UNLOCK PARTNERSHIP SOLUTIONS AOI IN
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 14, 2017
Property Address	1703 CALHOUN AVE, PANAMA CITY, FL 32405-2621
Document Number	0039631283
Book / Page	003963 / 001283
Instrument Date	Dec 14, 2017
Instrument	72030
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	OMEGA TITLE

Transaction

Amount	Amount on Record
Tax	$966.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1703 CALHOUN AVE PANAMA CITY FL 324052621, PANAMA CITY, FL 32405-2621

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
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$126,368 (+2.9%)	$164,538 (+8.06%) Land $42,559 Building $121,979
2024	$150.00 (-46.81%) Homeowner's exemption Disabled Person's exemption	$122,807 (+3%)	$152,263 (+5.85%) Land $36,673 Building $115,590
2023	$282.00 (-16.81%) Homeowner's exemption Disabled Person's exemption	$119,230 (+3%)	$143,850 (+15.06%) Land $32,145 Building $111,705
2022	$339.00 Homeowner's exemption Disabled Person's exemption	$115,757	$125,027 Land $22,896 Building $102,131

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1703 Calhoun Ave in Zone X, an area of minimal flood risk, though there have been 71 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 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	71 (1982–2021)
Claims Outside the SFHA	55 of 71
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Hurricane Michael, Oct 2018 · 19 claims Severe Storms And Flooding, Jul 2013 · 14 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

Wildfire risk around 1703 Calhoun Ave is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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