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17166 Hernando Ave, Panama City Beach, FL 32413 Property Records

Bay County property record for 17166 Hernando Ave, Panama City Beach, FL 32413

Property Summary

Property TypeDuplex
Details4 bd · 3 ba · 1,750 sqft · built 1983
Lot Size0.151 acres (6,578 sqft)
OwnerIndividual Name on Record
Last Sale$540,000 (Aug 2024)
Tax Bill$4,727 (2025)
Deeds & MortgagesJan 2018 Line of Credit
Jan 2020 Sale
Flood ZoneZone X (minimal risk)
APN33404-000-000

Property Details

APN / Parcel Number

Primary APN33404-000-000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Units2 Units
Stories1 Story
Building Area1,750 sqft Total Area
1st Floor Area1,750 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 2018
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area6,578 sqft (0.151 acres)
Lot Dimensions110 ft deep x 60 ft wide
Patio Area120 sqft
FenceFence
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address17166 HERNANDO AVE
CityPANAMA CITY BEACH
StateFL
Zip32413-2146
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodePCB20
Legal DescriptionEL CENTRO BEACH 29B3 LOT 11 BLK 5 ORB 4834 P 1427
Legal Range16W
Legal Township03S
Legal Section19
Legal SubdivisionEL CENTRO BEACH
Legal Block5
Legal Lot Number11
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY BEACHES
Census Block Group2
Census Block2023
Census Tract2709

Owner

Source: Bay County records, as of January 23, 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 Record
Mailing Address1015 2ND AVE S, NASHVILLE, TN 37210-2619
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 26, 2018Deed of Trust, Mortgage · Line of Credit
FIRST NATIONAL BANK OF NORTHWEST FLORIDA
Jan 22, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 26, 2024 · Amount on Record
Deed SaleAug 26, 2024 · Amount on Record
Prior SaleJan 22, 2020 · Amount on Record
Deed Document Number2024050511
Deed Book / Page4834 / 1427
Record UpdatedJun 8, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address17166 HERNANDO AVE, PANAMA CITY BEACH, FL 32413-2146
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIRST INTL TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0039741820
DateJan 26, 2018
Book Page3974/1820
Instrument2018005172
Lender
NameFIRST NATIONAL BANK OF NORTHWEST FLORIDA
AddressPANAMA CITY, FL 32405
Agreement
TypeLine of Credit
AmountAmount Recorded

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 22, 2020
Property Address17166 HERNANDO AVE, PANAMA CITY BEACH, FL 32413-2146
Document Number0042131983
Book / Page004213 / 001983
Instrument DateJan 15, 2020
Instrument5278
Transaction TypeTransfer
Record UpdatedFeb 13, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address746 W CLUB OAKS DR SANDY UT 840706638, SANDY, UT 84070-6638

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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$4,727.00 (+54.68%)$433,193 (+77.08%) Land $97,242 Building $335,951$433,193 (+77.08%) Land $97,242 Building $335,951
2023$3,056.00 (+17.95%)$244,638 (+9.5%) Land $83,961 Building $160,677$244,638 (+9.5%) Land $83,961 Building $160,677
2022$2,591.00$223,415 Land $75,981 Building $147,434$223,415 Land $75,981 Building $147,434

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 Record
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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