1840 Cincinnati Ave, Panama City, FL 32405 Property Records

Bay County property record for 1840 Cincinnati Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,142 sqft · built 1996
Lot Size	0.106 acres (4,617 sqft)
Owner	Company Name on File
Last Sale	$240,000 (Feb 2026)
Tax Bill	$558 (2025)
Deeds & Mortgages	Feb 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`28907-050-000`

Property Details

APN / Parcel Number

Primary APN	`28907-050-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,142 sqft Living Area
1st Floor Area	1,142 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,617 sqft (0.106 acres)
Lot Dimensions	70 ft deep x 66 ft wide
Driveway	Driveway
Driveway Area	480 sqft
Porch	Unfinished Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1840 CINCINNATI AVE
City	PANAMA CITY
State	FL
Zip	32405-1539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	36 3S 15W E1/2 OF SW1/4 W 70 LOT 16 LESS N 4 BLK 3 ORB 2562 P 2357 MAP 79D4
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	040015
Legal Block	3
Legal Lot Number	16
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1027
Census Tract	2400

Owner

1840 Cincinnati Ave is owned by a company that bought it in February 2026 and is owner-occupied.

Source: Bay County records, as of October 15, 2026

Owner of Record	Company Name on File
Mailing Address	501 HARRISON AVE, PANAMA CITY, FL 32401-2621
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2026 · Amount on File
Deed Sale	Feb 11, 2026 · Amount on File
Prior Sale	Jan 17, 2001 · Amount on File
Deed Document Number	20268090
Deed Book / Page	5000 / 2211
Prior Transfer Date	Dec 30, 2004
Prior Transfer Doc	0025622357
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 11, 2026
Property Address	1840 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0050002211
Book / Page	5000 / 2211
Map Reference	MB 4 PG 57
Instrument Date	Feb 10, 2026
Instrument	2026008090
Transaction Type	Transfer
Record Updated	Feb 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1403 BALDWIN ROWE CIR, PANAMA CITY, FL 32405-5797

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 HARRISON AVE, PANAMA CITY, FL 32401-2621
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1840 Cincinnati Ave was $558 with a homeowner's exemption, down 17.8% from the year before.

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	$558.00 (-17.82%) Homeowner's exemption	$77,362	$116,844 Land $31,268 Building $85,576
2024	$679.00 (-10.42%)
2023	$758.00 (-4.29%) Homeowner's exemption	$72,992 (+3%)	$102,088 (+15.27%) Land $23,617 Building $78,471
2022	$792.00 Homeowner's exemption	$70,866	$88,561 Land $16,822 Building $71,739

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1840 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	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

Wildfire risk around 1840 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.

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 Cincinnati Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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