1904 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1904 Chestnut Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1964
Lot Size	0.216 acres (9,409 sqft)
Owner	Individual Name on Record
Last Sale	$293,000 (Jan 2025)
Tax Bill	$4,283 (2025)
Deeds & Mortgages	Feb 2024 Sale Apr 2023 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`28839-000-000`

Property Details

APN / Parcel Number

Primary APN	`28839-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Heated Area
Gross Area	2,478 sqft
1st Floor Area	1,080 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,409 sqft (0.216 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Garage Area	240 sqft
Driveway	Driveway
Driveway Area	600 sqft
Porch	Porch
Porch Area	398 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1904 CHESTNUT AVE
City	PANAMA CITY
State	FL
Zip	32405-2442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	HENTZ 1ST ADD UNIT B REPLAT LOT 14 BLK 12 ORB 4873 P 2023
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD UNIT B REPLAT
Legal Block	12
Legal Lot Number	14
Legal Unit	B
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1019
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
Co-owner	Co-owner on Record
Mailing Address	1904 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Warranty Deed, Transfer ANCHOR TITLE COMPANY, ANCHOR TITLE CO
Apr 4, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 4, 2023	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2025 · Amount on Record
Deed Sale	Jan 6, 2025 · Amount on Record
Prior Sale	Feb 28, 2024 · Amount on Record
Deed Document Number	2025000602
Deed Book / Page	4873 / 2023
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 28, 2024
Property Address	1904 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number	0047771374
Book / Page	4777 / 1374
Map Reference	MB 9 PG 62
Instrument Date	Feb 26, 2024
Instrument	2024011106
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	ANCHOR TITLE COMPANY, ANCHOR TITLE CO

Transaction

Amount	Amount Recorded
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	156 FISHEL RD, WINSTON SALEM, NC 27107-7404

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1904 CHESTNUT AVE, PANAMA CITY, FL 32405-2442

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Apr 4, 2023
Property Address	1904 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number	0046742289
Book / Page	4674 / 2289
Map Reference	MB 9 PG 62
Instrument Date	Apr 3, 2023
Instrument	2023020499
Transaction Type	Transfer
Record Updated	Apr 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1470 LAKE MARKHAM RD, SANFORD, FL 32771-8956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 TRANQUILITY LN, HERTFORD, NC 27944-9253

April 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BAY FL
Recording Date	Apr 4, 2023
Property Address	1904 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number	0046742292
Book / Page	4674 / 2292
Map Reference	MB 9 PG 62
Instrument Date	Apr 3, 2023
Instrument	2023020500
Transaction Type	Transfer
Record Updated	Apr 25, 2023

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1470 LAKE MARKHAM RD, SANFORD, FL 32771-8956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 TRANQUILITY LN, HERTFORD, NC 27944-9253

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	$4,283.00 (+60.53%)	$271,195 (+87.49%) Land $44,678 Building $226,517	$271,195 (+87.49%) Land $44,678 Building $226,517
2023	$2,668.00 (+313.64%)	$144,643 (+79.33%) Land $33,746 Building $110,897	$144,643 (+15.4%) Land $33,746 Building $110,897
2022	$645.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$80,658	$125,338 Land $24,036 Building $101,302

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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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