Bay County property record for 1802 Cincinnati Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,292 sqft · built 1995 |
| Lot Size | 0.106 acres (4,617 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $70,000 (Jun 2024) |
| Tax Bill | $1,904 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28907-010-000 |
| Primary APN | 28907-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,292 sqft Living Area |
| 1st Floor Area | 1,292 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 4,617 sqft (0.106 acres) |
| Lot Dimensions | 70 ft deep x 66 ft wide |
| Driveway | Driveway |
| Driveway Area | 450 sqft |
| Porch | Unfinished Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1802 CINCINNATI AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | 36 3S 15W E1/2 OF SW1/4 W 70 LOT 11 BLK 3 ORB 4809 P 155 MAP 79D4 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Subdivision | 040015 |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 2400 |
1802 Cincinnati Ave is owned by two individuals who bought it in June 2024.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1717 C MOVLAN RD, FELTON, DE 19943 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 | Jun 5, 2024 · Amount on File |
| Deed Sale | Jun 5, 2024 · Amount on File |
| Prior Sale | Apr 7, 2005 · Amount on File |
| Deed Document Number | 202433044 |
| Deed Book / Page | 4809 / 155 |
| Prior Transfer Date | Nov 30, 2004 |
| Prior Transfer Doc | 0000091309 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 1802 Cincinnati Ave was $1,904, up 538.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,904.00 (+538.93%) | $120,592 Land $31,268 Building $89,324 | $120,592 Land $31,268 Building $89,324 |
| 2024 | $298.00 (-44.09%) | ||
| 2023 | $533.00 (-10.87%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $78,800 (+3%) | $105,069 (+15.35%) Land $23,617 Building $81,452 |
| 2022 | $598.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $76,505 | $91,091 Land $16,822 Building $74,269 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1802 Cincinnati Ave in Zone X, an area of minimal flood risk, though there have been 33 flood claims nearby since 1995.
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 11 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 33 (1995–2021) |
| Claims Outside the SFHA | 32 of 33 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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 1802 Cincinnati 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 422 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 · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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