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1900 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1900 Chestnut Ave, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,964 sqft · built 1966
Lot Size0.247 acres (10,759 sqft)
OwnerIndividual Name on Record
Last Sale$250,000 (Jan 2022)
Tax Bill$1,808 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Jul 2019 Transfer
Flood ZoneZone X (minimal risk)
APN28837-000-000

Property Details

APN / Parcel Number

Primary APN28837-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,964 sqft Living Area
1st Floor Area1,964 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 2016
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,759 sqft (0.247 acres)
Lot Dimensions135 ft deep x 80 ft wide
Garage TypeCarport
Garage Area320 sqft
CarportCarport
Carport Area320 sqft
DrivewayDriveway

Exterior Amenities

PorchOpen Porch
Porch Area288 sqft
Deck Area360 sqft
Patio Area360 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1900 CHESTNUT AVE
CityPANAMA CITY
StateFL
Zip32405-2442
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC01
Legal DescriptionHENTZ 1ST ADD UNIT B REPLAT LOT 12 BLK 12 ORB 4513 P 2260
Legal Range15W
Legal Township03S
Legal Section36
Legal SubdivisionHENTZ 1ST ADD
Legal Block12
Legal Lot Number12
Legal UnitB
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1019
Census Tract2300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address1900 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 21, 2022Warranty Deed, Transfer · FHA Mortgage
TRUSTMARK NATIONAL BANK
Jul 1, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 21, 2022 · Amount on Record
Deed SaleJan 21, 2022 · Amount on Record
Deed Document Number20224776
Deed Book / Page4513 / 2260
Prior Transfer DateJun 19, 2019
Prior Transfer Doc0041400016
Record UpdatedJun 8, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 21, 2022
Property Address1900 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number0045132260
Book / Page4513 / 2260
Map ReferenceMB 9 PG 62
Instrument DateJan 14, 2022
Instrument2022004776
Transaction TypeTransfer
Record UpdatedFeb 10, 2022
Title CompanyDIAMOND TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1900 CHESTNUT AVE, PANAMA CITY, FL 32405-2442

Mortgage

Document Number0045132262
DateJan 21, 2022
Instrument4513/2262
Lender
NameTRUSTMARK NATIONAL BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

July 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJul 1, 2019
Property Address1900 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number0041400016
Book / Page004140 / 000016
Instrument DateJun 19, 2019
Instrument60211
Transaction TypeTransfer
Record UpdatedJul 19, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address1900 CHESTNUT AVE PANAMA CITY FL 324052442, PANAMA CITY, FL 32405-2442

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
2025$1,808.00 (-38.23%) Homeowner's exemption$156,525 (-25.94%)$170,260 (-19.44%) Land $51,061 Building $119,199
2024$2,927.00 (-2.95%)
2023$3,016.00 (+342.23%) Homeowner's exemption$211,349 (+150.56%) Land $38,567 Building $172,782$211,349 (+46.34%) Land $38,567 Building $172,782
2022$682.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed$84,351$144,424 Land $27,470 Building $116,954

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 57 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies57 in force
Nearby Flood Claims71 (1982–2021)
Claims Outside the SFHA55 of 71
Most Recent ClaimOct 2021 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 15 claims
  • Hurricane Michael, Oct 2018 · 19 claims
  • Severe Storms And Flooding, Jul 2013 · 14 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

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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