1902 Beck Ave, Panama City, FL 32405 Property Records

Bay County property record for 1902 Beck Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,288 sqft · built 1958
Lot Size	0.216 acres (9,409 sqft)
Owner	Individual Name on Record
Last Sale	$123,000 (Jul 2018)
Tax Bill	$874 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28864-000-000`

Property Details

APN / Parcel Number

Primary APN	`28864-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,288 sqft Heated Area
Gross Area	1,348 sqft
1st Floor Area	1,288 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2008
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,409 sqft (0.216 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1902 BECK AVE
City	PANAMA CITY
State	FL
Zip	32405-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	HENTZ 1ST ADD UNIT B REPLAT LOT 11 BLK 13 ORB 4026 P 1004
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD UNIT B REPLAT
Legal Block	13
Legal Lot Number	11
Legal Unit	B
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1020
Census Tract	2300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1902 BECK AVE, PANAMA CITY, FL 32405-2453
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 10, 2018	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2018 · Amount on Record
Deed Sale	Jul 10, 2018 · Amount on Record
Prior Sale	Dec 29, 2008 · Amount on Record
Deed Document Number	2018040789
Deed Book / Page	4026 / 1004
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1902 BECK AVE, PANAMA CITY, FL 32405-2453
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 BECK AVE, PANAMA CITY, FL 32405-2453

Mortgage

Document Number	0045472023
Date	Apr 8, 2022
Book Page	4547/2023
Instrument	2022026107

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2042

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 10, 2018
Property Address	1902 BECK AVE, PANAMA CITY, FL 32405-2453
Document Number	0040261004
Book / Page	4026 / 1004
Map Reference	MB9 PG62
Instrument Date	Jul 3, 2018
Instrument	2018040789
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 CAMP AVE, 640, ROSWELL, GA 30075-3547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3003 W 20TH CT, PANAMA CITY, FL 32405-1820
Investor	Possibly a Property Investor

Mortgage

Document Number	2018040790
Date	Jul 10, 2018
Instrument	2018040790

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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

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	$874.00 (-18.24%) Homeowner's exemption	$97,407 (+5.99%)	$152,194 (+15.82%) Land $44,678 Building $107,516
2023	$1,069.00 (-1.02%) Homeowner's exemption	$91,905 (+3%)	$131,411 (+14.72%) Land $33,746 Building $97,665
2022	$1,080.00 Homeowner's exemption	$89,228	$114,547 Land $24,036 Building $90,511

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record median of 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	71 (1982–2021)
Claims Outside the SFHA	55 of 71
Most Recent Claim	Oct 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 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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