1841 Cincinnati Ave, Panama City, FL 32405 Property Records

Bay County property record for 1841 Cincinnati Ave, Panama City, FL 32405

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,200 sqft · built 1984
Lot Size	0.076 acres (3,354 sqft)
Owner	Company Name on File
Last Sale	$190,000 (Jan 2023)
Tax Bill	$742 (2022)
Deeds & Mortgages	Jan 2023 Sale Feb 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28908-020-000`

Property Details

APN / Parcel Number

Primary APN	`28908-020-000`

Interior

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
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,354 sqft (0.076 acres)
Lot Dimensions	140 ft deep x 24 ft wide
Porch	Porch
Porch Area	112 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1841 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 BEG 146' N OF SE COR LOT 5 BLK 4 E.L. WOOD PLAT TH
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	E L WOOD
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

Owner

1841 Cincinnati Ave, a townhouse, is owned by a company that bought it in January 2023 and is owner-occupied.

Source: Bay County records, as of January 23, 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

Date	Document
Jan 20, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 8, 2019	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU
Dec 18, 2018	Warranty Deed, Transfer OMEGA TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2023 · Amount on File
Deed Sale	Jan 20, 2023 · Amount on File
Prior Sale	Dec 18, 2018 · Amount on File
Deed Document Number	2023003752
Deed Book / Page	4650 / 19
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 20, 2023
Property Address	1841 CINCINNATI AVE, PANAMA CITY, FL 32405-1520
Document Number	0046500019
Book / Page	4650 / 19
Instrument Date	Jan 19, 2023
Instrument	2023003752
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 28018, PANAMA CITY, FL 32411-8018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 HARRISON AVE, PANAMA CITY, FL 32401-2621

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1841 CINCINNATI AVE, PANAMA CITY, FL 32405-1520
Document Number	0040892017
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3920 CRESCENT DR PANAMA CITY FL 324083508, PANAMA CITY, FL 32408-3508

Mortgage

Document Number	0040892017
Date	Feb 12, 2019
Book Page	004089/002017
Instrument	16843

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 11, 2034

Interest

Rate Type	Adjustable Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 18, 2018
Property Address	1841 CINCINNATI AVE, PANAMA CITY, FL 32405-1520
Document Number	0040701637
Book / Page	004070 / 001637
Instrument Date	Dec 17, 2018
Instrument	76729
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	OMEGA TITLE

Transaction

Amount	Amount on Record
Tax	$367.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 LAKEPOINT LN FAYETTEVILLE GA 302152370, FAYETTEVILLE, GA 30215-2370
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	Additional exemption filed	$100,421 Land $15,081 Building $85,340	$100,421 Land $15,081 Building $85,340
2023	Additional exemption filed	$84,554 (+64.03%) Land $12,065 Building $72,489	$84,554 (+64.03%) Land $12,065 Building $72,489
2022	$742.00	$51,547 Land $8,083 Building $43,464	$51,547 Land $8,083 Building $43,464

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 1841 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 1841 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.

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