Bay County property record for 1908 Moates Ave, Panama City, FL 32405 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 2019 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $52,000 (Jun 2018) |
| Tax Bill | $1,709 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jun 2018 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 28087-015-000 |
| Primary APN | 28087-015-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,500 sqft Heated Area |
| Gross Area | 1,794 sqft |
| 1st Floor Area | 1,500 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,235 sqft (0.212 acres) |
| Lot Dimensions | 140 ft deep x 66 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1908 MOATES AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 35 3S 15W E1/2 OF NW1/4 LOT 15 BLK 31 ORB 4021 P 1918 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | ST ANDREWS BAY RAILROAD |
| Legal Block | 31 |
| Legal Lot Number | 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 2400 |
Source: Bay County records · APN 28087-015-000
Assessment roll updated July 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 1908 MOATES AVE, PANAMA CITY, FL 32405-1161 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Jun 27, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2018 · Amount on Record |
| Deed Sale | Jun 27, 2018 · Amount on Record |
| Deed Document Number | 2018037957 |
| Deed Book / Page | 4021 / 1918 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1908 MOATES AVE, PANAMA CITY, FL 32405-1161 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 1908 MOATES AVE, PANAMA CITY, FL 32405-1161 |
| Document Number | 0043562199 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 4356/2199 |
| Instrument | 2021006813 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 27, 2018 |
| Property Address | 1908 MOATES AVE, PANAMA CITY, FL 32405-1161 |
| Document Number | 0040211918 |
| Book / Page | 004021 / 001918 |
| Instrument Date | Jun 18, 2018 |
| Instrument | 37957 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31940 DEL CIELO ESTE #A5 BONSALL CA 920033935, A5, BONSALL, CA 92003-3935 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,709.00 (-10.76%) Homeowner's exemption | $150,278 (+7.06%) | $199,803 (+13.83%) Land $33,634 Building $166,169 |
| 2023 | $1,915.00 (+3.07%) Homeowner's exemption | $140,368 (+3%) | $175,525 (+11.42%) Land $27,747 Building $147,778 |
| 2022 | $1,858.00 Homeowner's exemption | $136,280 | $157,541 Land $21,538 Building $136,003 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Wildfire Risk | Low above 6% of the US · above 5% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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