Bay County property record for 1811 Chestnut Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 960 sqft · built 1970 |
| Lot Size | 0.212 acres (9,234 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Mar 2025) |
| Tax Bill | $601 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28873-020-000 |
| Primary APN | 28873-020-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,234 sqft (0.212 acres) |
| Lot Dimensions | 140 ft deep x 66 ft wide |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Driveway | Driveway |
| Deck Area | 108 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1811 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 4 BLK 1 ORB 3661 P 79 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Subdivision | 040015 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 2300 |
Source: Bay County records, as of September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1811 CHESTNUT AVE, PANAMA CITY, FL 32405-2547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2025 · Amount on Record |
| Deed Sale | Mar 3, 2025 · Amount on Record |
| Prior Sale | Dec 10, 2014 · Amount on Record |
| Deed Document Number | 202511103 |
| Deed Book / Page | 4889 / 535 |
| Record Updated | Oct 29, 2026 |
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 | $601.00 (-6.53%) Homeowner's exemption | $80,116 (+5.99%) | $125,394 (+24.19%) Land $42,559 Building $82,835 |
| 2024 | $643.00 (-5.99%) | ||
| 2023 | $684.00 (-14.18%) Homeowner's exemption Disabled Person's exemption | $75,590 (+3%) | $100,971 (+18.28%) Land $32,145 Building $68,826 |
| 2022 | $797.00 Homeowner's exemption Disabled Person's exemption | $73,388 | $85,365 Land $22,896 Building $62,469 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 |
|
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.
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.
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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