Bay County property record for 17109 Hernando Ave, Panama City Beach, FL 32413
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 878 sqft · built 1970 |
| Lot Size | 0.151 acres (6,577 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Jul 2025) |
| Tax Bill | $1,681 (2025) |
| Deeds & Mortgages | Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 33409-000-000 |
| Primary APN | 33409-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 878 sqft Living Area |
| 1st Floor Area | 878 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,577 sqft (0.151 acres) |
| Lot Dimensions | 110 ft deep x 60 ft wide |
| Driveway | Driveway |
| Driveway Area | 900 sqft |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 17109 HERNANDO AVE |
|---|---|
| City | PANAMA CITY BEACH |
| State | FL |
| Zip | 32413-2147 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PCB20 |
| Legal Description | EL CENTRO BEACH MAP-29B3 LOT 2 BLK 6 ORB 4383 P 357 |
| Legal Range | 16W |
| Legal Township | 03S |
| Legal Section | 19 |
| Legal Subdivision | EL CENTRO BEACH |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 2709 |
17109 Hernando Ave is owned by two individuals who bought it in July 2025.
Source: Bay County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 169 BAUM RIDGE DR, ASHLAND CITY, TN 37015-5220 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 | Jul 14, 2025 · Amount on File |
| Deed Sale | Jul 14, 2025 · Amount on File |
| Prior Sale | Mar 29, 2021 · Amount on File |
| Deed Document Number | 202539384 |
| Deed Book / Page | 4932 / 126 |
| Prior Transfer Date | Mar 24, 2021 |
| Prior Transfer Doc | 0043830357 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 29, 2021 |
| Property Address | 17109 HERNANDO AVE, PANAMA CITY BEACH, FL 32413-2147 |
| Document Number | 0043830357 |
| Book / Page | 4383 / 357 |
| Map Reference | MB 9 PG 8 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 2021022843 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Tax | $336.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6323 THOMAS DR UNIT 1206, 1206, PANAMA CITY BEACH, FL 32408-5668 |
The 2025 property tax bill for 17109 Hernando Ave was $1,681, down 7.2% 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 | $1,681.00 (-7.18%) | $154,111 Land $97,242 Building $56,869 | $154,111 Land $97,242 Building $56,869 |
| 2024 | $1,811.00 (+3.25%) | ||
| 2023 | $1,754.00 (+17.48%) | $138,524 (+10.06%) Land $83,961 Building $54,563 | $138,524 (+10.06%) Land $83,961 Building $54,563 |
| 2022 | $1,493.00 | $125,862 Land $75,981 Building $49,881 | $125,862 Land $75,981 Building $49,881 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 17109 Hernando Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.
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 122 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 393 units insured incl. 271 condo units |
| Nearby Flood Claims | 2 (2020) |
| 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 17109 Hernando Ave is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within 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 286 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 |
| WOW Internet, Cable & Phone Cable · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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