1905 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1905 Chestnut Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,362 sqft · built 1965
Lot Size	0.189 acres (8,232 sqft)
Owner	Company Name on File
Last Sale	$252,000 (Sep 2026)
Tax Bill	$1,535 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28860-000-000`

Property Details

APN / Parcel Number

Primary APN	`28860-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,362 sqft Living Area
1st Floor Area	1,362 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,232 sqft (0.189 acres)
Lot Dimensions	118 ft deep x 70 ft wide
Garage Type	Carport
Garage Area	459 sqft
Carport	Carport
Carport Area	459 sqft
Driveway	Driveway
Porch	Patio
Porch Area	390 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1905 CHESTNUT AVE
City	PANAMA CITY
State	FL
Zip	32405-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	HENTZ 1ST ADD UNIT B REPLAT LOT 7 BLK 13 ORB 3942 P 605
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD
Legal Block	13
Legal Lot Number	7
Legal Unit	B
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1020
Census Tract	2300

Owner

1905 Chestnut Ave is owned by a company that bought it in September 2026.

Source: Bay County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	501 HARRISON AVE, PANAMA CITY, FL 32401-2621
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 29, 2017	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Oct 2, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Aug 23, 2017	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2026 · Amount on File
Deed Sale	Sep 16, 2026 · Amount on File
Prior Sale	Oct 2, 2017 · Amount on File
Deed Document Number	202657624
Deed Book / Page	5079 / 1174
Prior Transfer Date	Nov 10, 2005
Prior Transfer Doc	0027151978
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 16, 2026
Property Address	1905 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0000057624
Book / Page	5079 / 1174
Instrument Date	Sep 15, 2026
Instrument	202657624
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$178,164.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	501 HARRISON AVE, PANAMA CITY, FL 32401-2621

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1905 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0039420607
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 CHESTNUT AVE PANAMA CITY FL 324052441, PANAMA CITY, FL 32405-2441

Mortgage

Document Number	0039420607
Date	Oct 2, 2017
Book Page	003942/000607
Instrument	56672

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 2, 2017
Property Address	1905 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0039420605
Book / Page	003942 / 000605
Instrument Date	Sep 29, 2017
Instrument	56671
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$938.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6618 GULF DR PANAMA CITY BEACH FL 324086114, PANAMA CITY BEACH, FL 32408-6114

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 23, 2017
Property Address	1905 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0039300101
Book / Page	003930 / 000101
Instrument Date	Aug 21, 2017
Instrument	47836
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6618 GULF DR PANAMA CITY FL 324086114, PANAMA CITY, FL 32408-6114

Tax Assessment & Valuation

The 2025 property tax bill for 1905 Chestnut Ave was $1,535, up 3.6% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$1,535.00 (+3.58%) Homeowner's exemption	$129,744	$174,783 Land $42,836 Building $131,947
2024	$1,482.00 (-4.08%)
2023	$1,545.00 (+1.98%) Homeowner's exemption	$120,613 (+3%)	$144,492 (+15.38%) Land $32,354 Building $112,138
2022	$1,515.00 Homeowner's exemption	$117,100	$125,231 Land $23,045 Building $102,186

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1905 Chestnut Ave in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1905 Chestnut Ave is low, with less than a 0.01% annual chance of 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.

Nearby Properties on Chestnut Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures