1906 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1906 Chestnut Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,645 sqft · built 1964
Lot Size	0.216 acres (9,408 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Aug 2026)
Tax Bill	$2,397 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`28840-000-000`

Property Details

APN / Parcel Number

Primary APN	`28840-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,645 sqft Living Area
1st Floor Area	1,305 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,408 sqft (0.216 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Driveway	Driveway
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1906 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 15 BLK 12 ORB 4422 P 538
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD
Legal Block	12
Legal Lot Number	15
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 September 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1906 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Warranty Deed, Transfer · VA Mortgage SOCIETY MORTGAGE
Jun 18, 2021	Warranty Deed, Transfer · FHA Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	Jun 18, 2021 · Amount on Record
Deed Document Number	202652084
Deed Book / Page	5070 / 2339
Prior Transfer Date	Jun 9, 2005
Prior Transfer Doc	0026290275
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 21, 2026
Property Address	1906 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number	0000052084
Book / Page	5070 / 2339
Instrument Date	Aug 20, 2026
Instrument	202652084
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	TITLE COMPANY TITLE AGENCY, ALPHA TITLE CO AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$176,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1906 CHESTNUT AVE, PANAMA CITY, FL 32405-2442

Mortgage

Document Number	0000052085,
Date	Aug 21, 2026
Instrument	202652085

Lender

Name	SOCIETY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 18, 2021
Property Address	1906 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number	0044220538
Book / Page	4422 / 538
Map Reference	MB 9 PG 62
Instrument Date	Jun 4, 2021
Instrument	2021046460
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1701, MELBOURNE, FL 32902-1701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1906 CHESTNUT AVE, PANAMA CITY, FL 32405-2442

Mortgage

Document Number	4422540
Date	Jun 18, 2021
Instrument	4422/540

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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	$2,397.00 (-2.72%) Homeowner's exemption	$184,354 (+5.99%)	$226,297 (+18.64%) Land $44,678 Building $181,619
2023	$2,464.00 (+6.85%) Homeowner's exemption	$173,940 (+3%)	$190,739 (+12.95%) Land $33,746 Building $156,993
2022	$2,306.00 Homeowner's exemption	$168,874 Land $24,036 Building $144,838	$168,874 Land $24,036 Building $144,838

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 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.

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