Bay County property record for 1909 Laurel Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 990 sqft · built 1995 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $75,000 (Dec 2014) |
| Tax Bill | $688 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 28025-006-000 |
| Primary APN | 28025-006-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 990 sqft Heated Area |
| Gross Area | 1,114 sqft |
| 1st Floor Area | 990 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Dimensions | 122 ft deep x 72 ft wide |
| Porch | Porch |
| Porch Area | 124 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1909 LAUREL AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC04 |
| Legal Description | DRUMMOND & WARE ADD LOT 5 & N 6' OF LOT 6 BLK 27 ORB 3663 P 2270 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | DRUMMOND & WARE ADD |
| Legal Block | 27 |
| Legal Lot Number | 5,6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 2400 |
The current owner of 1909 Laurel Ave bought it in December 2014.
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1909 LAUREL AVE, PANAMA CITY, FL 32405-1505 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2014 · Amount on File |
| Deed Sale | Dec 22, 2014 · Amount on File |
| Prior Sale | Dec 15, 2008 · Amount on File |
| Deed Document Number | 2014066880 |
| Deed Book / Page | 3663 / 2270 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1909 Laurel Ave was $688 with exemptions applied.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $688.00 Homeowner's exemption Widower's exemption | $90,625 | $95,978 Land $34,819 Building $61,159 |
| 2023 | $1,530.00 (+14.18%) | $81,019 (+15.04%) Land $28,725 Building $52,294 | $81,019 (+15.04%) Land $28,725 Building $52,294 |
| 2022 | $1,340.00 | $70,427 Land $22,297 Building $48,130 | $70,427 Land $22,297 Building $48,130 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1909 Laurel Ave in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 1909 Laurel 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.
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 |
| 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.
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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