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17118 Hernando Ave, Panama City Beach, FL 32413 Property Records

Bay County property record for 17118 Hernando Ave, Panama City Beach, FL 32413

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,028 sqft · built 1985
Lot Size0.055 acres (2,395 sqft)
OwnerIndividual Name on File
Last Sale$300,000 (Nov 2023)
Tax Bill$1,742 (2025)
Deeds & MortgagesNov 2023 Sale & Second Mortgage
Flood ZoneZone X (minimal risk)
APN33406-060-000

Property Details

APN / Parcel Number

Primary APN33406-060-000

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,028 sqft Living Area
1st Floor Area512 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 2015
Architectural StyleTownhouse
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area2,395 sqft (0.055 acres)
Lot Dimensions110 ft deep x 22 ft wide
DrivewayDriveway
PorchUnfinished Open Porch
Porch Area192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address17118 HERNANDO AVE
CityPANAMA CITY BEACH
StateFL
Zip32413-2146
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePCB20
Legal DescriptionEL CENTRO BEACH BEG 97.67 NWLY OF SE COR OF LOT 13 FOR POB TH CONT NWLY 22.33 NELY 100 SELY 22.33 SWLY 110 TO POB BLK 5 AKA UNIT 6 ORB 4750 P 1800 (14.3)
Legal Range16W
Legal Township03S
Legal Section19
Legal SubdivisionEL CENTRO BEACH
Legal Block5
Legal Lot Number13
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group2
Census Block2023
Census Tract2709

Owner

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

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

Owner of RecordIndividual Name on File
Mailing Address6724 S LAGOON DR, PANAMA CITY, FL 32408-6064
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 21, 2023 · Amount on File
Deed SaleNov 21, 2023 · Amount on File
Prior SaleOct 7, 2011 · Amount on File
Deed Document Number202372775
Deed Book / Page4750 / 1800
Prior Transfer DateSep 17, 2014
Prior Transfer Doc0036430747
Record UpdatedJun 8, 2026

November 2023: Deed, Transfer

Document TypeDeed
JurisdictionBAY FL
Recording DateNov 21, 2023
Property Address17118 HERNANDO AVE, PANAMA CITY BEACH, FL 32413-2146
Document Number0047501800
Book / Page4750 / 1800
Instrument DateNov 17, 2023
Instrument2023072775
Transaction TypeTransfer
Record UpdatedDec 15, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address323 SHENANDOAH DR NE, CALHOUN, GA 30701-4720

Transferred To (Grantee/Buyer)

NameVerified Name
Address6724 S LAGOON DR, PANAMA CITY BEACH, FL 32408-6064

Mortgage

Document Number0047501802
DateNov 21, 2023
Instrument4750/1802
Lender
NameALBERT W DAVIS III TRUST
TypePrivate Party
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term30 Months
DueMay 1, 2026

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City Beach
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,742.00 (-10.71%)$159,681 (+6.19%) Land $35,655 Building $124,026$159,681 (+6.19%) Land $35,655 Building $124,026
2024$1,951.00 (+0.46%)$150,366 (+0.96%) Land $33,440 Building $116,926$150,366 (+0.96%) Land $33,440 Building $116,926
2023$1,942.00 (+12.71%)$148,941 (-0.81%) Land $30,785 Building $118,156$148,941 (-0.81%) Land $30,785 Building $118,156
2022$1,723.00$150,164 Land $27,859 Building $122,305$150,164 Land $27,859 Building $122,305

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 122 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies393 units insured
incl. 271 condo units
Nearby Flood Claims2 (2020)
Most Recent ClaimSep 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureIndirect
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 SystemCITY OF PANAMA CITY BEACH
serves 67,205 people · EPA ID FL1030515
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionApr 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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