1813 Bayview Ave, Panama City, FL 32405 Property Records

Bay County property record for 1813 Bayview Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,188 sqft · built 1938
Lot Size	0.212 acres (9,234 sqft)
Owner	Individual Name on Record
Last Sale	$169,500 (Jan 2021)
Tax Bill	$3,003 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28899-000-000`

Property Details

APN / Parcel Number

Primary APN	`28899-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Type	Cathedral/Clerestory
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	264 sqft
Carport	Carport
Carport Area	264 sqft
Porch	Open Porch
Porch Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1813 BAYVIEW AVE
City	PANAMA CITY
State	FL
Zip	32405-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	36 3S 15W E1/2 OF SW1/4 LOT 3 BLK 3 ORB 4356 P 1789 MAP 79D4
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	040015
Legal Block	3
Legal Lot Number	3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1027
Census Tract	2400

Owner

Source: Bay County records, as of October 9, 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	1813 BAYVIEW AVE, PANAMA CITY, FL 32405-1518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 28, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 26, 2020	Warranty Deed, Transfer PRATT AYCOCK TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Prior Sale	May 26, 2020 · Amount on Record
Deed Document Number	20216720
Deed Book / Page	4356 / 1789
Prior Transfer Date	Jul 1, 2002
Prior Transfer Doc	0021580487
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1813 BAYVIEW AVE, PANAMA CITY, FL 32405-1518
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 BAYVIEW AVE, PANAMA CITY, FL 32405-1518

Mortgage

Document Number	0045951975
Date	Aug 8, 2022
Book Page	4595/1975
Instrument	2022058210

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Feb 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 28, 2021
Property Address	1813 BAYVIEW AVE, PANAMA CITY, FL 32405-1518
Document Number	0043561789
Book / Page	4356 / 1789
Instrument Date	Jan 27, 2021
Instrument	2021006720
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,186.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 WHITE OAKS BLVD, 101, SOUTHPORT, FL 32409-2371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 BAYVIEW AVE, PANAMA CITY, FL 32405-1518

Mortgage

Document Number	0043561791
Date	Jan 28, 2021
Instrument	4356/1791

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 26, 2020
Property Address	1813 BAYVIEW AVE, PANAMA CITY, FL 32405-1518
Document Number	0042550457
Book / Page	004255 / 000457
Instrument Date	May 20, 2020
Instrument	33931
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101 WHITE OAKS BLVD SOUTHPORT FL 324092371, SOUTHPORT, FL 32409-2371

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	$3,003.00 (-4.91%)	$190,190 (+11.52%) Land $42,559 Building $147,631	$190,190 (+11.52%) Land $42,559 Building $147,631
2024	$3,158.00 (+3.14%)
2023	$3,062.00 (+23.52%)	$170,541 (+13.82%) Land $32,145 Building $138,396	$170,541 (+13.82%) Land $32,145 Building $138,396
2022	$2,479.00	$149,828 Land $22,896 Building $126,932	$149,828 Land $22,896 Building $126,932

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
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 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

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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