17111 Hernando Ave, Panama City Beach, FL 32413 Property Records

Bay County property record for 17111 Hernando Ave, Panama City Beach, FL 32413

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,020 sqft · built 1967
Lot Size	0.228 acres (9,931 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Dec 2023)
Tax Bill	$2,693 (2025)
Deeds & Mortgages	Dec 2023 Sale Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33408-000-000`

Property Details

APN / Parcel Number

Primary APN	`33408-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	780 sqft
Flooring	Terrazzo
Interior Walls	Plaster

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,931 sqft (0.228 acres)
Lot Dimensions	113 ft deep x 88 ft wide
Driveway	Driveway
Driveway Area	699 sqft
Porch	Florida Room
Porch Area	516 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	17111 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 LOT 1 BLK 6 ORB 4754 P 1026
Legal Range	16W
Legal Township	03S
Legal Section	19
Legal Subdivision	EL CENTRO BEACH
Legal Block	6
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	2
Census Block	2024
Census Tract	2709

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2911 CLIFFWYNDE TRCE, LOUISVILLE, KY 40241-2763
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Warranty Deed, Transfer NOT AVAILABLE, BURG TITLE LLC
Jan 10, 2023	Warranty Deed, Transfer · Conventional Mortgage BANKPLUS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2023 · Amount on Record
Deed Sale	Dec 4, 2023 · Amount on Record
Prior Sale	Jan 10, 2023 · Amount on Record
Deed Document Number	202375319
Deed Book / Page	4754 / 1026
Prior Transfer Date	Jul 1, 2015
Prior Transfer Doc	0037141938
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 4, 2023
Property Address	17111 HERNANDO AVE, PANAMA CITY BEACH, FL 32413-2147
Document Number	0047541026
Book / Page	4754 / 1026
Map Reference	MB 9 PG 8
Instrument Date	Dec 4, 2023
Instrument	2023075319
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	NOT AVAILABLE, BURG TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 W MAIN ST, HILLSBORO, OH 45133-1478

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2911 CLIFFWYNDE TRCE, LOUISVILLE, KY 40241-2763

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 10, 2023
Property Address	17111 HERNANDO AVE, PANAMA CITY BEACH, FL 32413-2147
Document Number	0046470050
Book / Page	4647 / 50
Map Reference	MB 9 PG 8
Instrument Date	Jan 3, 2023
Instrument	2023001505
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	NOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	448 COUNTY ROAD 855, SHANNON, MS 38868-9329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 W MAIN ST, HILLSBORO, OH 45133-1478

Mortgage

Document Number	0000464752
Date	Jan 10, 2023
Instrument	4647/52

Lender

Name	BANKPLUS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,693.00 (-4.44%)	$246,809 (+10.81%) Land $145,624 Building $101,185	$246,809 (+10.81%) Land $145,624 Building $101,185
2024	$2,818.00 (+11.52%)
2023	$2,527.00 (+23.81%)	$222,727 (+22.49%) Land $125,735 Building $96,992	$222,727 (+22.49%) Land $125,735 Building $96,992
2022	$2,041.00	$181,832 Land $113,784 Building $68,048	$181,832 Land $113,784 Building $68,048

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 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	Hurricane Sally, Sep 2020 · 2 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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