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1903 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1903 Chestnut Ave, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,300 sqft · built 1965
Lot Size0.189 acres (8,232 sqft)
Owner2 Individual Names on Record
Last Sale$180,000 (Dec 2024)
Tax Bill$2,466 (2025)
Deeds & MortgagesSep 2023 Transfer
Apr 2020 Sale
Flood ZoneZone X (minimal risk)
APN28861-000-000

Property Details

APN / Parcel Number

Primary APN28861-000-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,300 sqft Living Area
1st Floor Area1,300 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1995
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialOther
Lot Area8,232 sqft (0.189 acres)
Lot Dimensions118 ft deep x 70 ft wide
DrivewayDriveway
PorchUnfinished Open Porch
Porch Area331 sqft
Patio Area494 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1903 CHESTNUT AVE
CityPANAMA CITY
StateFL
Zip32405-2441
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC01
Legal DescriptionHENTZ 1ST ADD UNIT B REPLAT LOT 8 BLK 13 ORB 4731 P 2406
Legal Range15W
Legal Township03S
Legal Section36
Legal SubdivisionHENTZ 1ST ADD
Legal Block13
Legal Lot Number8
Legal UnitB
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1020
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 Record2 Individual Names on Record
Mailing Address1903 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 19, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 7, 2020Warranty Deed, Transfer
FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 17, 2024 · Amount on Record
Deed SaleDec 17, 2024 · Amount on Record
Prior SaleApr 7, 2020 · Amount on Record
Deed Document Number202472974
Deed Book / Page4868 / 1534
Prior Transfer DateSep 19, 2023
Prior Transfer Doc0047312406
Record UpdatedJun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateSep 19, 2023
Property Address1903 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number0047312406
Book / Page4731 / 2406
Map ReferenceMB 9 PG 62
Instrument DateSep 15, 2023
Instrument2023059449
Transaction TypeTransfer
Record UpdatedOct 9, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3604 W 15TH ST, PANAMA CITY, FL 32401-1101

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3604 W 15TH ST, PANAMA CITY, FL 32401-1101

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 7, 2020
Property Address1903 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number0042401104
Book / Page004240 / 001104
Instrument DateApr 3, 2020
Instrument24587
Transaction TypeTransfer
Record UpdatedMay 11, 2020
Title CompanyFLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

AmountAmount Recorded
Tax$938.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address1503 CHESTNUT AVE PANAMA CITY FL 32401, PANAMA CITY, FL 32401

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$2,466.00 (-5.04%)$156,167 (+12.63%) Land $42,836 Building $113,331$156,167 (+12.63%) Land $42,836 Building $113,331
2024$2,597.00 (+4.26%)
2023$2,491.00 (+15.59%)$138,661 (+15.87%) Land $32,354 Building $106,307$138,661 (+15.87%) Land $32,354 Building $106,307
2022$2,155.00$119,668 Land $23,045 Building $96,623$119,668 Land $23,045 Building $96,623

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 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 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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