1910 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1910 Chestnut Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,456 sqft · built 1963
Lot Size	0.216 acres (9,408 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Oct 2025)
Tax Bill	$2,058 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`28842-000-000`

Property Details

APN / Parcel Number

Primary APN	`28842-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2013
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
Driveway Area	440 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1910 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 17 BLK 12 ORB 4558 P 2066
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD
Legal Block	12
Legal Lot Number	17
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 May 26, 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	1910 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 3, 2022	Special Warranty Deed, Transfer · FHA Mortgage ROYAL UNITED MORTGAGE LLC
Dec 13, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Prior Sale	May 3, 2022 · Amount on Record
Deed Document Number	202561546
Deed Book / Page	4965 / 1869
Prior Transfer Date	Dec 13, 2021
Prior Transfer Doc	0044972341
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 22, 2025
Property Address	1910 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number	0049651869
Book / Page	4965 / 1869
Map Reference	MB 9 PG 62
Instrument Date	Oct 21, 2025
Instrument	2025061546
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SOUTH OAK TITLE 30A LLC, SOUTH OAK TITLE GRAYTON LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1910 CHESTNUT AVE, PANAMA CITY, FL 32405-2442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1910 CHESTNUT AVE, PANAMA CITY, FL 32405-2442

Mortgage

Document Number	0049651871
Date	Oct 22, 2025
Instrument	4965/1871

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

May 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 3, 2022
Property Address	1910 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number	0045582066
Book / Page	4558 / 2066
Map Reference	MB 9 PG 62
Instrument Date	Apr 26, 2022
Instrument	2022033314
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 PALM CROSSING BLVD, 118, PANAMA CITY, FL 32408-5248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1910 CHESTNUT AVE, PANAMA CITY, FL 32405-2442

Mortgage

Document Number	0045582068
Date	May 3, 2022
Instrument	4558/2068

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Dec 13, 2021
Property Address	1910 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number	0044972341
Book / Page	4497 / 2341
Map Reference	MB 9 PG 62
Instrument Date	Dec 13, 2021
Instrument	2021094122
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2801 W 14TH ST, 2801, PANAMA CITY, FL 32401-1313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 W 14TH ST, PANAMA CITY, FL 32401-1313

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	$2,058.00 (-3.92%) Homeowner's exemption	$172,361 (+2.06%)	$182,765 (+8.22%) Land $44,678 Building $138,087
2024	$2,142.00 (-25.39%) Homeowner's exemption	$168,881 (+6%) Land $38,499 Building $130,382	$168,881 (+6%) Land $38,499 Building $130,382
2023	$2,871.00 (+814.33%)	$159,328 (+49.78%) Land $33,746 Building $125,582	$159,328 (+49.78%) Land $33,746 Building $125,582
2022	$314.00 Additional exemption filed	$106,372 Land $24,036 Building $82,336	$106,372 Land $24,036 Building $82,336

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 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