1907 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1907 Chestnut Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,404 sqft · built 1964
Lot Size	0.189 acres (8,232 sqft)
Owner	Individual Name on Record
Last Sale	$273,000 (May 2022)
Tax Bill	$3,994 (2025)
Deeds & Mortgages	May 2022 Sale Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28859-000-000`

Property Details

APN / Parcel Number

Primary APN	`28859-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,232 sqft (0.189 acres)
Lot Dimensions	118 ft deep x 70 ft wide
Driveway	Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1907 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 6 BLK 13 ORB 4569 P 2183
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD
Legal Block	13
Legal Lot Number	6
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 May 12, 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	1907 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Mar 7, 2022	Warranty Deed, Transfer · Commercial Mortgage LOAN FUND VII LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Prior Sale	Mar 7, 2022 · Amount on Record
Deed Document Number	202240710
Deed Book / Page	4569 / 2183
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 27, 2022
Property Address	1907 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0045692183
Book / Page	4569 / 2183
Map Reference	MB 9 PG 62
Instrument Date	May 25, 2022
Instrument	2022040710
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,911.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43122 ROCKY RIDGE CT, 43122, LEESBURG, VA 20176-1805

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1907 CHESTNUT AVE, PANAMA CITY, FL 32405-2441

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 7, 2022
Property Address	1907 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0045321887
Book / Page	4532 / 1887
Map Reference	MB 9 PG 62
Instrument Date	Mar 2, 2022
Instrument	2022016303
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$933.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2210 QUAKER ST, 2210, CHIPLEY, FL 32428-3060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2310 S HIGHWAY 77, LYNN HAVEN, FL 32444-4616

Mortgage

Document Number	0045321889
Date	Mar 7, 2022
Instrument	4532/1889

Lender

Name	LOAN FUND VII LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$3,994.00 (-3.11%)	$252,913 (+9.87%) Land $42,836 Building $210,077	$252,913 (+9.87%) Land $42,836 Building $210,077
2024	$4,122.00 (+3.91%)
2023	$3,967.00 (+152.51%)	$230,189 (+172.41%) Land $32,354 Building $197,835	$230,189 (+172.41%) Land $32,354 Building $197,835
2022	$1,571.00	$84,500 Land $23,045 Building $61,455	$84,500 Land $23,045 Building $61,455

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 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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