1804 Cincinnati Ave, Panama City, FL 32405 Property Records

Bay County property record for 1804 Cincinnati Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,290 sqft · built 1995
Lot Size	0.105 acres (4,617 sqft)
Owner	2 Individual Names on File
Last Sale	$177,000 (Aug 2020)
Tax Bill	$1,891 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28907-015-000`

Property Details

APN / Parcel Number

Primary APN	`28907-015-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,290 sqft Heated Area
Gross Area	1,426 sqft
1st Floor Area	1,290 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	4,617 sqft (0.105 acres)
Lot Dimensions	70 ft deep x 66 ft wide
Driveway	Driveway
Driveway Area	450 sqft

Exterior Amenities

Porch	Porch
Porch Area	136 sqft
Patio Area	48 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1804 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 W1/2 OF LOT 12 BLK 3 ORB 4290 P 461
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	ST ANDREWS BAY REAL ESTATE COM
Legal Block	3
Legal Lot Number	12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1027
Census Tract	2400

Owner

1804 Cincinnati Ave is owned and occupied by two individuals who bought it in August 2020.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1804 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FNDG
Aug 24, 2020	Warranty Deed, Transfer SOUTH OAK TITLE 30A LLC
Sep 21, 2017	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2020 · Amount on File
Deed Sale	Aug 24, 2020 · Amount on File
Prior Sale	Sep 21, 2017 · Amount on File
Deed Document Number	2020055536
Deed Book / Page	4290 / 461
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1804 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0042900463
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 2025 FLINT MI 48501, FLINT, MI 48501

Mortgage

Document Number	0042900463
Date	Aug 24, 2020
Book Page	004290/000463
Instrument	55537

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	14511 MYFORD RD, TUSTIN, CA 92780-7068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 24, 2020
Property Address	1804 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0042900461
Book / Page	004290 / 000461
Instrument Date	Aug 21, 2020
Instrument	55536
Transaction Type	Transfer
Record Updated	Sep 16, 2020
Title Company	SOUTH OAK TITLE 30A LLC

Transaction

Amount	Amount on Record
Tax	$1,239.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 CINCINNATI AVE PANAMA CITY FL 324051539, PANAMA CITY, FL 32405-1539

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 21, 2017
Property Address	1804 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0039382168
Book / Page	3938 / 2168
Map Reference	MB4 PG57
Instrument Date	Sep 20, 2017
Instrument	2017054255
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	612 SOMMER CIR, 612, PANAMA CITY, FL 32405-3224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7328 SKINNER RD, PANAMA CITY, FL 32404-8910

Mortgage

Document Number	2017054256
Date	Sep 21, 2017
Instrument	2017054256

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1804 Cincinnati Ave was $1,891 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,891.00 Homeowner's exemption	$161,813	$188,955 Land $31,268 Building $157,687
2023	$2,104.00 (+3.7%) Homeowner's exemption	$152,673 (+3%)	$167,657 (+13.11%) Land $23,617 Building $144,040
2022	$2,029.00 Homeowner's exemption	$148,226 Land $16,822 Building $131,404	$148,226 Land $16,822 Building $131,404

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1804 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	Hurricane Sally, Sep 2020 · 11 claims Hurricane Michael, Oct 2018 · 6 claims Severe Storms And Flooding, Jul 2013 · 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

Wildfire risk around 1804 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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