1809 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1809 Chestnut Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,014 sqft · built 1947
Lot Size	0.212 acres (9,234 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Dec 2020)
Tax Bill	$1,483 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28874-000-000`

Property Details

APN / Parcel Number

Primary APN	`28874-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,014 sqft Living Area
1st Floor Area	1,014 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,234 sqft (0.212 acres)
Lot Dimensions	140 ft deep x 66 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	163 sqft
Deck Area	209 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1809 CHESTNUT AVE
City	PANAMA CITY
State	FL
Zip	32405-2547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	36 3S 15W E1/2 OF SW1/4 LOT 5 BLK 1 ORB 1484 P 1976 ORB 2205 P 1843-1845 MAP 79D4 ORB 2612 P 2230 ORB 2615 P 2390 ORB 2650 P 21 ORB 4339 P 2245
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	040015
Legal Block	1
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1021
Census Tract	2300

Owner

Source: Bay County records, as of October 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1809 CHESTNUT AVE, PANAMA CITY, FL 32405-2547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAY CU
Dec 18, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Nov 8, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Nov 8, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Nov 8, 2019 · Amount on Record
Deed Document Number	202085955
Deed Book / Page	4339 / 2245
Prior Transfer Date	Nov 6, 2008
Prior Transfer Doc	0031181080
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Sep 29, 2026
Property Address	1809 CHESTNUT AVE, PANAMA CITY, FL 32405-2547
Document Number	0000060527
Book / Page	5083 / 2366
Instrument Date	Sep 24, 2026
Instrument	202660527
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 CHESTNUT AVE, PANAMA CITY, FL 32405-2547

Mortgage

Document Number	0000060527,
Date	Sep 29, 2026
Book Page	5083/2366
Instrument	202660527

Lender

Name	BAY CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 18, 2020
Property Address	1809 CHESTNUT AVE, PANAMA CITY, FL 32405-2547
Document Number	0043392245
Book / Page	4339 / 2245
Instrument Date	Dec 10, 2020
Instrument	2020085955
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	NORTH FLORIDA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 CHESTNUT AVE, PANAMA CITY, FL 32405-2547

Mortgage

Document Number	0043392247
Date	Dec 18, 2020
Instrument	4339/2247

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 8, 2019
Property Address	1809 CHESTNUT AVE, PANAMA CITY, FL 32405-2547
Document Number	0041882337
Book / Page	004188 / 002337
Instrument Date	Nov 7, 2019
Instrument	97219
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2686 KACHINA TRL DACULA GA 300197023, DACULA, GA 30019-7023

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Nov 8, 2019
Property Address	1809 CHESTNUT AVE, PANAMA CITY, FL 32405-2547
Document Number	0041882334
Book / Page	004188 / 002334
Instrument Date	Nov 4, 2019
Instrument	97218
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2686 KACHINA TRL DACULA GA 300197023, DACULA, GA 30019-7023

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$1,483.00 (-6.02%) Homeowner's exemption	$135,990 (+5.99%)	$165,147 (+14.86%) Land $42,559 Building $122,588
2024	$1,578.00 (-5.45%)
2023	$1,669.00 (+2.46%) Homeowner's exemption	$128,308 (+3%)	$143,780 (+14.14%) Land $32,145 Building $111,635
2022	$1,629.00 Homeowner's exemption	$124,571	$125,970 Land $22,896 Building $103,074

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	71 (1982–2021)
Claims Outside the SFHA	55 of 71
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Hurricane Michael, Oct 2018 · 19 claims Severe Storms And Flooding, Jul 2013 · 14 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 Risk	Low lower than 99.8% of the US · lower than 99.7% 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 Chestnut Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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