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1849 Cincinnati Ave, Panama City, FL 32405 Property Records

Bay County property record for 1849 Cincinnati Ave, Panama City, FL 32405

Property Summary

Property TypeResidential Vacant Land
Details2 bd · 2 ba · 1,200 sqft · built 1985
Lot Size0.073 acres (3,180 sqft)
OwnerCompany Name on File
Last Sale$200,000 (Feb 2023)
Tax Bill$727 (2022)
Deeds & MortgagesFeb 2023 Sale
Flood ZoneZone X (minimal risk)
APN28908-001-000

Property Details

APN / Parcel Number

Primary APN28908-001-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,200 sqft
1st Floor Area800 sqft
2nd Floor Area400 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Exterior MaterialWood
Lot Area3,180 sqft (0.073 acres)
Lot Dimensions140 ft deep x 23 ft wide

Exterior Amenities

PorchPorch
Porch Area112 sqft
Patio Area160 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1849 CINCINNATI AVE
CityPANAMA CITY
StateFL
Zip32405-1520
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodePC09
Legal Description36 3S 15W E1/2 OF SW1/4 E L WOOD PLAT BEG 242.13' N OF SE COR LOT 5
Legal Range15W
Legal Township03S
Legal Section36
Legal SubdivisionEL WOOD
Legal Block4
Legal Lot Number5 2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1026
Census Tract2400

Owner

1849 Cincinnati Ave, residential vacant land, is owned by a company that bought it in February 2023 and is owner-occupied.

Source: Bay County records, as of January 23, 2026

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

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 NamesName on Deed
Last SaleFeb 7, 2023 · Amount on File
Deed SaleFeb 7, 2023 · Amount on File
Prior SaleOct 11, 2012 · Amount on File
Deed Document Number2023007246
Deed Book / Page4654 / 1976
Record UpdatedJun 8, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateFeb 7, 2023
Property Address1849 CINCINNATI AVE, PANAMA CITY, FL 32405-1520
Document Number0046541976
Book / Page4654 / 1976
Instrument DateFeb 3, 2023
Instrument2023007246
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2816 W 30TH CT, PANAMA CITY, FL 32405-2050

Transferred To (Grantee/Buyer)

NameVerified Name
Address501 HARRISON AVE, PANAMA CITY, FL 32401-2621
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

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$14,875 (-86.2%) Land $14,875$14,875 (-86.2%) Land $14,875
2024Additional exemption filed$107,792 (+9.94%) Land $14,280 Building $93,512$107,792 (+9.94%) Land $14,280 Building $93,512
2023Additional exemption filed$98,048 (+101.71%) Land $11,900 Building $86,148$98,048 (+101.71%) Land $11,900 Building $86,148
2022$727.00$48,608 Land $7,973 Building $40,635$48,608 Land $7,973 Building $40,635

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 1849 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 1849 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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