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1805 Beck Ave, Panama City, FL 32405 Property Records

Bay County property record for 1805 Beck Ave, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,152 sqft · built 1947
Lot Size0.2 acres (8,712 sqft)
OwnerCompany Name on Record
Last Sale$35,000 (Feb 2015)
Tax Bill$1,329 (2025)
Deeds & MortgagesMay 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN28890-005-000

Property Details

APN / Parcel Number

Primary APN28890-005-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,152 sqft Heated Area
Gross Area1,606 sqft
1st Floor Area1,152 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 2007
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions132 ft deep x 66 ft wide
Garage TypeCarport
CarportCarport
PorchPorch
Porch Area652 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1805 BECK AVE
CityPANAMA CITY
StateFL
Zip32405-2568
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC09
Legal Description36 3S 15W E1/2 OF SW1/4 LOT 7 BLK 2 ORB 3677 P 1624
Legal Range15W
Legal Township03S
Legal Section36
Legal SubdivisionEAST HALF/THE SW QUARTER
Legal Block2
Legal Lot Number7
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1028
Census Tract2400

Owner

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

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

Owner of RecordCompany Name on Record
Mailing Address2310 S HIGHWAY 77 STE 110STE110, 110STE110, LYNN HAVEN, FL 32444-4616
Owner TypeCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 23, 2015 · Amount on Record
Deed SaleFeb 23, 2015 · Amount on Record
Prior SaleSep 11, 2014 · Amount on Record
Deed Document Number2015010519
Deed Book / Page3677 / 1624
Record UpdatedJun 8, 2026

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address1805 BECK AVE, PANAMA CITY, FL 32405-2568
Document Number0041222010
Instrument DateMay 7, 2019
Transaction TypeMortgage
Record UpdatedMay 31, 2019
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1809 MOUND AVE PANAMA CITY FL 324051147, PANAMA CITY, FL 32405-1147

Mortgage

Document Number0041222010
DateMay 14, 2019
Book Page004122/002010
Instrument46635
Lender
NameUS SMALL BUSINESS ADMINISTRATI
AddressBIRMINGHAM, AL 35203
Agreement
AmountAmount Recorded
Term360 Months
DueMay 13, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,329.00 (-9.47%)$132,838 (+15.11%) Land $41,691 Building $91,147$132,838 (+15.11%) Land $41,691 Building $91,147
2023$1,468.00 (+12.66%)$115,396 (+15.89%) Land $31,489 Building $83,907$115,396 (+15.89%) Land $31,489 Building $83,907
2022$1,303.00$99,572 Land $22,429 Building $77,143$99,572 Land $22,429 Building $77,143

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

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 11 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims33 (1995–2021)
Claims Outside the SFHA32 of 33
Most Recent ClaimOct 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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