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1845 Cincinnati Ave, Panama City, FL 32405 Property Records

Bay County property record for 1845 Cincinnati Ave, Panama City, FL 32405

Property Summary

Property TypeVacant Land
Details2 bd · 2 ba · 1,200 sqft · built 1984
Lot Size0.073 acres (3,179 sqft)
OwnerCompany Name on File
Last Sale$165,000 (Jun 2023)
Tax Bill$226 (2023)
Deeds & MortgagesJun 2023 Sale
Jul 2022 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN28908-023-000

Property Details

APN / Parcel Number

Primary APN28908-023-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,200 sqft Gross Area
1st Floor Area800 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2004
Architectural StyleTownhouse
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialOther
Lot Area3,179 sqft (0.073 acres)
Lot Dimensions140 ft deep x 23 ft wide
DrivewayDriveway
PorchOpen Porch
Porch Area112 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1845 CINCINNATI AVE
CityPANAMA CITY
StateFL
Zip32405-1520
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Local Zoning CodePC09
Legal Description36 3S 15W E1/2 OF SW1/4 BEG 194.26 N OF SE COR LOT 5 BLK 4 TH N 23.58 W 140 S 23.78 E 140 TO POB. PT OF LOTS 2 & 3 BLK 4 ORB 4705 P 584
Legal Range15W
Legal Township03S
Legal Section36
Legal Subdivision040015
Legal Block4
Legal Lot Number5
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1026
Census Tract2400

Owner

1845 Cincinnati Ave, vacant land, is owned by a company that bought it in June 2023.

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

Owner of RecordCompany Name on File
Mailing Address501 HARRISON AVE, PANAMA CITY, FL 32401-2621
Owner TypeCompany
VestingCompany

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

DateDocument
Jun 30, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jul 19, 2022Quit Claim Deed, Transfer
Quitclaim
May 21, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 30, 2023 · Amount on File
Deed SaleJun 30, 2023 · Amount on File
Deed Document Number202340965
Deed Book / Page4705 / 584
Prior Transfer DateApr 15, 2022
Prior Transfer Doc0045891457
Record UpdatedSep 20, 2026

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 30, 2023
Property Address1845 CINCINNATI AVE, PANAMA CITY, FL 32405-1520
Document Number0047050584
Book / Page4705 / 584
Instrument DateJun 29, 2023
Instrument2023040965
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$1,155.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1845 CINCINNATI AVE, PANAMA CITY, FL 32405-1520

Transferred To (Grantee/Buyer)

NameVerified Name
Address501 HARRISON AVE, P C BEACH, FL 32401-2621
InvestorPossibly a Property Investor

July 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJul 19, 2022
Property Address1845 CINCINNATI AVE, PANAMA CITY, FL 32405-1520
Document Number0045891457
Book / Page4589 / 1457
Instrument DateApr 1, 2022
Instrument2022053715
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address2750 WILLIAM BEND DR, CUMMING, GA 30028

Transferred To (Grantee/Buyer)

NameVerified Name
Address1845 CINCINNATI AVE, PANAMA CITY, FL 32405-1520

May 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateMay 21, 2021
Property Address1845 CINCINNATI AVE, PANAMA CITY, FL 32405-1520
Document Number0044091792
Book / Page4409 / 1792
Instrument DateAug 15, 2018
Instrument2021038867
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1845 CINCINNATI AVE, PANAMA CITY, FL 32405-1520

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025Additional exemption filed$14,800 Land $14,800$14,800 Land $14,800
2023$226.00 (-10.32%) Additional exemption filed$99,038 (+301.11%) Land $11,840 Building $87,198$99,038 (+31.51%) Land $11,840 Building $87,198
2022$252.00 Homeowner's exemption$24,691$75,309 Land $7,932 Building $67,377

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 1845 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims33 (1995–2021)
Claims Outside the SFHA32 of 33
Most Recent ClaimOct 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 1845 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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