1844 Cincinnati Ave, Panama City, FL 32405 Property Records

Bay County property record for 1844 Cincinnati Ave, Panama City, FL 32405

Property Summary

Property Type	Vacant Land
Details	3 bd · 2 ba · 1,122 sqft · built 1996
Lot Size	0.064 acres (2,787 sqft)
Owner	Company Name on File
Last Sale	$195,000 (Feb 2023)
Tax Bill	$1,817 (2022)
Deeds & Mortgages	Feb 2023 Sale Jun 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28907-070-000`

Property Details

APN / Parcel Number

Primary APN	`28907-070-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,122 sqft Gross Area
1st Floor Area	1,122 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2016
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,787 sqft (0.064 acres)
Lot Dimensions	70 ft deep x 40 ft wide
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1844 CINCINNATI AVE
City	PANAMA CITY
State	FL
Zip	32405-1539
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	PC03
Legal Description	36 3S 15W E1/2 OF SW1/4 W 70 LOT 18 LESS TRIANGLE PCL & N 8 OF W1/2 LOT 17 BLK 3 MAP 79D4 ORB 4657 P 559
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	040015
Legal Block	3
Legal Lot Number	18,17
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1027
Census Tract	2400

Owner

1844 Cincinnati Ave, vacant land, is owned by a company that bought it in February 2023.

Source: Bay County records, as of January 5, 2026

Owner of Record	Company Name on File
Mailing Address	501 HARRISON AVE, PANAMA CITY, FL 32401-2621
Owner Type	Company
Vesting	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
Feb 15, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST FSB/FL
Mar 2, 2017	Warranty Deed, Transfer · Commercial Mortgage OMEGA TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2023 · Amount on File
Deed Sale	Feb 15, 2023 · Amount on File
Prior Sale	Jun 30, 2017 · Amount on File
Deed Document Number	20238978
Deed Book / Page	4657 / 559
Prior Transfer Date	Jun 15, 2017
Prior Transfer Doc	0039091646
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 15, 2023
Property Address	1844 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0046570559
Book / Page	4657 / 559
Instrument Date	Feb 13, 2023
Instrument	2023008978
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1844 CINCINNATI AVE, PANAMA CITY, FL 32405-1539

Transferred To (Grantee/Buyer)

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

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 30, 2017
Property Address	1844 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0039140573
Book / Page	003914 / 000573
Instrument Date	Jun 23, 2017
Instrument	37054
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	507 WOODLAND DR BURNSVILLE MN 553372703, BURNSVILLE, MN 55337-2703

Mortgage

Document Number	39140578
Date	Jun 30, 2017
Book Page	003914/000578
Instrument	37056

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 2, 2017
Property Address	1844 CINCINNATI AVE, PANAMA CITY, FL 32405-1539
Document Number	0038781941
Book / Page	3878 / 1941
Instrument Date	Feb 28, 2017
Instrument	2017011761
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	OMEGA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2805 E 4TH ST, 2805, PANAMA CITY, FL 32401-5449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 BRADY WAY, PANAMA CITY, FL 32408-7484

Mortgage

Document Number	, 2017011762
Date	Mar 2, 2017
Instrument	2017011762

Lender

Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 28, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Additional exemption filed	$17,962	$18,950 Land $18,950
2023	Additional exemption filed	$134,492 (+10.73%) Land $14,313 Building $120,179	$134,492 (+10.73%) Land $14,313 Building $120,179
2022	$1,817.00	$121,464 Land $10,195 Building $111,269	$121,464 Land $10,195 Building $111,269

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 1844 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 1844 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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