1806 Cincinnati Ave, Panama City, FL 32405 Property Records

Bay County property record for 1806 Cincinnati Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 963 sqft · built 1989
Lot Size	0.105 acres (4,617 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Apr 2025)
Tax Bill	$3,238 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28907-020-000`

Property Details

APN / Parcel Number

Primary APN	`28907-020-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	963 sqft Heated Area
Gross Area	1,275 sqft
1st Floor Area	963 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2009
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,617 sqft (0.105 acres)
Lot Dimensions	70 ft deep x 66 ft wide
Garage Area	300 sqft

Exterior Amenities

Porch	Porch
Porch Area	12 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1806 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 13 BLK 3 MAP 79D4
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	BAY COUNTY
Legal Block	3
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1027
Census Tract	2400

Owner

1806 Cincinnati Ave is owned by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 9911, PANAMA CITY BEACH, FL 32417-0311
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
Oct 14, 2022	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA
Jul 18, 2017	Warranty Deed, Transfer · Conventional Mortgage ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2025 · Amount on File
Deed Sale	Apr 22, 2025 · Amount on File
Prior Sale	Oct 14, 2022 · Amount on File
Deed Document Number	2025021794
Deed Book / Page	4905 / 845
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 14, 2022
Property Address	1806 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0046202177
Book / Page	4620 / 2177
Instrument Date	Oct 11, 2022
Instrument	2022075543
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	354 SPRINGWATER WAY, 354, BREMEN, GA 30110-5436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	CMR 450 BOX 1245 # 1245, 1245, APO XX 9705

Mortgage

Document Number	0046202182
Date	Oct 14, 2022
Instrument	4620/2182

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1806 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0042682025
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1806 CINCINNATI AVE PANAMA CITY FL 324051539, PANAMA CITY, FL 32405-1539

Mortgage

Document Number	0042682025
Date	Jun 30, 2020
Book Page	004268/002025
Instrument	42628

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 29, 2035

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 18, 2017
Property Address	1806 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0039182182
Book / Page	003918 / 002182
Instrument Date	Jul 13, 2017
Instrument	40246
Transaction Type	Transfer
Record Updated	Aug 8, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 WICKFORD WAY VILLA RICA GA 301807212, VILLA RICA, GA 30180-7212

Mortgage

Document Number	39182184
Date	Jul 18, 2017
Book Page	003918/002184
Instrument	40247

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1806 Cincinnati Ave was $3,238.

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	$3,238.00	$205,042 Land $31,268 Building $173,774	$205,042 Land $31,268 Building $173,774
2023	$3,340.00 (+80.74%)	$188,598 (+87.62%) Land $23,617 Building $164,981	$188,598 (+87.62%) Land $23,617 Building $164,981
2022	$1,848.00	$100,519 Land $16,822 Building $83,697	$100,519 Land $16,822 Building $83,697

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1806 Cincinnati Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 1806 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.

Nearby Properties on Cincinnati Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures