1908 Laurel Ave, Panama City, FL 32405 Property Records

Bay County property record for 1908 Laurel Ave, Panama City, FL 32405

Property Summary

Property Type	Triplex
Details	2 bd · 1 ba · 3,496 sqft · built 1996
Lot Size	0.245 acres (10,672 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Jul 2001)
Tax Bill	$3,223 (2025)
Deeds & Mortgages	Jun 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`28041-000-000`

Property Details

APN / Parcel Number

Primary APN	`28041-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	6 Units
Stories	2 Stories
Building Area	3,006 sqft Living Area
1st Floor Area	1,503 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,672 sqft (0.245 acres)
Lot Dimensions	132 ft deep x 81 ft wide
Driveway	Driveway
Driveway Area	1,200 sqft
Porch	Unfinished Open Porch
Porch Area	490 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1908 LAUREL AVE
City	PANAMA CITY
State	FL
Zip	32405-1569
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	PC04
Legal Description	DRUMMOND & WARE ADD LOT 14 & S 15 LOT 15 & W1/2 OF VACATED ALLEY LYING ADJACENT TO PCLS BLK 28 ORB 4137 P 1091
Legal Range	15W
Legal Township	03S
Legal Section	35
Legal Subdivision	DRUMMOND & WARE ADD
Legal Block	28
Legal Lot Number	14,15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1001
Census Tract	2400

Owner

Source: Bay County records, as of September 29, 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	1826 ESCAMBIA AVE, PENSACOLA, FL 32503-5719
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2001 · Amount on Record
Deed Sale	Jul 19, 2001 · Amount on Record
Deed Document Number	200139114
Deed Book / Page	2050 / 2072
Record Updated	Oct 29, 2026

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 24, 2019
Property Address	1908 LAUREL AVE, PANAMA CITY, FL 32405-1569
Document Number	0041371091
Book / Page	004137 / 001091
Instrument Date	Jun 24, 2019
Instrument	58316
Transaction Type	Transfer
Record Updated	Jul 18, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1826 ESCAMBIA AVE PENSACOLA FL 325035719, PENSACOLA, FL 32503-5719

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	$3,223.00 (-15.69%)	$202,066 (+17.43%)	$208,098 (+20.94%) Land $40,435 Building $167,663
2024	$3,823.00 (+28.29%)
2023	$2,980.00 (+16.63%)	$172,074 (+20.09%) Land $33,359 Building $138,715	$172,074 (+20.09%) Land $33,359 Building $138,715
2022	$2,555.00	$143,291 Land $25,894 Building $117,397	$143,291 Land $25,894 Building $117,397

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	33 (1995–2021)
Claims Outside the SFHA	32 of 33
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 11 claims Hurricane Michael, Oct 2018 · 6 claims Severe Storms And Flooding, Jul 2013 · 2 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 457 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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