Bay County property record for 18924 Denem Rd, Fountain, FL 32438
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,518 sqft · built 1988 |
| Lot Size | 15 acres (653,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Jul 2022) |
| Tax Bill | $365 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01009-000-000 |
| Primary APN | 01009-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,518 sqft Heated Area |
| Gross Area | 1,630 sqft |
| 1st Floor Area | 1,518 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 653,400 sqft (15 acres) |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 64 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 18924 DENEM RD |
|---|---|
| City | FOUNTAIN |
| State | FL |
| Zip | 32438-2860 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | BC01 |
| Legal Description | 16 1N 12W 10A -22- 195B SW1/4 OF NE1/4 OF NE1/4 & W1/2 OF SE1/4 OF NE1/4 OF THE |
| Legal Range | 12W |
| Legal Township | 01N |
| Legal Section | 16 |
| Jurisdiction | BAY FL |
| Township / Civil Division | YOUNGSTOWN |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 301 |
18924 Denem Rd, a rural home, is owned and occupied by an individual who bought it in July 2022.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 18924 DENEM RD, FOUNTAIN, FL 32438-2860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2022 · Amount on File |
| Deed Sale | Jul 8, 2022 · Amount on File |
| Prior Sale | Mar 7, 2014 · Amount on File |
| Deed Document Number | 2022051155 |
| Deed Book / Page | 4585 / 2299 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 8, 2022 |
| Property Address | 18924 DENEM RD, FOUNTAIN, FL 32438-2860 |
| Document Number | 0045852299 |
| Book / Page | 4585 / 2299 |
| Instrument Date | Jul 6, 2022 |
| Instrument | 2022051155 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | UNKNOWN, OMEGA TITLE FLORIDA LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2336 BONNETT POND RD, CHIPLEY, FL 32428-5233 |
| Name | Verified Name |
|---|---|
| Address | 18924 DENEM RD, FOUNTAIN, FL 32438-2860 |
| Document Number | 0045852301 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 4585/2301 |
| Name | JACK REEVES ETUX |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 18924 Denem Rd was $365 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $365.00 Homeowner's exemption | $60,610 | $106,275 |
| 2023 | $514.00 (-9.98%) Homeowner's exemption | $76,963 (+58.59%) Land $52,650 Building $24,313 | $76,963 (+58.59%) Land $52,650 Building $24,313 |
| 2022 | $571.00 | $48,531 Land $37,375 Building $11,156 | $48,531 Land $37,375 Building $11,156 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 18924 Denem Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
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 risk around 18924 Denem Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
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