Bay County property record for 1831 Cincinnati Ave, Panama City, FL 32405
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,200 sqft · built 1984 |
| Lot Size | 0.073 acres (3,180 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $59,900 (Aug 1997) |
| Tax Bill | $1,294 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28908-027-000 |
| Primary APN | 28908-027-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,200 sqft Heated Area |
| Gross Area | 1,376 sqft |
| 1st Floor Area | 800 sqft |
| 2nd Floor Area | 400 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Shingle |
| Lot Area | 3,180 sqft (0.073 acres) |
| Lot Dimensions | 140 ft deep x 23 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1831 CINCINNATI AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1520 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PC09 |
| Legal Description | 36 3S 15W E1/2 OF SW1/4 N 23.94' OF S 49.48' OF LOT 5 BLK 4 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 2400 |
The current owner of 1831 Cincinnati Ave acquired it in February 2014.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1831 CINCINNATI AVE, PANAMA CITY, FL 32405-1520 |
| Occupancy | Owner Occupied |
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 | Aug 21, 1997 · Amount on File |
| Deed Sale | Aug 21, 1997 · Amount on File |
| Deed Document Number | 0017291889 |
| Deed Book / Page | 28908 |
| Last Transfer Date | Feb 25, 2014 |
| Transfer Doc | 0035871077 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1831 Cincinnati Ave was $1,294.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,294.00 | $103,397 Land $14,962 Building $88,435 | $103,397 Land $14,962 Building $88,435 |
| 2023 | $1,398.00 (+19.18%) | $81,432 (+31.44%) Land $11,970 Building $69,462 | $81,432 (+31.44%) Land $11,970 Building $69,462 |
| 2022 | $1,173.00 | $61,952 Land $8,019 Building $53,933 | $61,952 Land $8,019 Building $53,933 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1831 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 |
|
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 1831 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.
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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