Bay County property record for 1815 Laurel Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,152 sqft · built 1982 |
| Lot Size | 0.218 acres (9,496 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $49,900 (Jul 2000) |
| Tax Bill | $502 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 28224-000-000 |
| Primary APN | 28224-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,496 sqft (0.218 acres) |
| Lot Dimensions | 144 ft deep x 66 ft wide |
| Garage Type | Carport |
| Garage Area | 192 sqft |
| Carport | Carport |
| Carport Area | 192 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 328 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1815 LAUREL AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | BAYVIEW ADD E 1/2 LOT 29 BLK 5 ORB 1963 P 472 79C4 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | BAYVIEW ADD |
| Legal Block | 5 |
| Legal Lot Number | 29 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 2400 |
1815 Laurel Ave is owned and occupied by two individuals who acquired it in October 2025.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1815 LAUREL AVE, PANAMA CITY, FL 32405-1504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2000 · Amount on File |
| Deed Sale | Jul 31, 2000 · Amount on File |
| Deed Document Number | 200038627 |
| Deed Book / Page | 1963 / 472 |
| Last Transfer Date | Oct 27, 2025 |
| Transfer Doc | 0049700747 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 5, 2025 |
| Property Address | 1815 LAUREL AVE, PANAMA CITY, FL 32405-1504 |
| Document Number | 0049700747 |
| Book / Page | 4970 / 747 |
| Instrument Date | Oct 27, 2025 |
| Instrument | 2025064358 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1815 LAUREL AVE, PANAMA CITY, FL 32405-1504 |
| Name | Verified Name |
|---|---|
| Address | 165 HITCHCOCK RD, PANAMA CITY, FL 32409-2460 |
The 2025 property tax bill for 1815 Laurel Ave was $502, down 21.6% from the year before.
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 | $502.00 (-21.56%) Homeowner's exemption | $70,120 (+2.9%) | $114,337 (+8.75%) Land $33,977 Building $80,360 |
| 2024 | $640.00 (+2.4%) Homeowner's exemption | $68,144 (+19.36%) | $105,136 (+38.44%) Land $29,076 Building $76,060 |
| 2023 | $625.00 (-8.36%) Homeowner's exemption | $57,092 (+3%) | $75,941 (+16.05%) Land $28,030 Building $47,911 |
| 2022 | $682.00 Homeowner's exemption | $55,429 | $65,440 Land $21,758 Building $43,682 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1815 Laurel Ave in Zone X, an area of minimal flood risk, though there have been 33 flood claims nearby since 1995.
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 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 |
|
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 risk around 1815 Laurel 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.
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 457 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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