Bay County property record for 1912 Chestnut Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 1965 |
| Lot Size | 0.216 acres (9,409 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Sep 2017) |
| Tax Bill | $634 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 28843-000-000 |
| Primary APN | 28843-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Heated Area |
| Gross Area | 1,890 sqft |
| 1st Floor Area | 1,456 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,409 sqft (0.216 acres) |
| Lot Dimensions | 135 ft deep x 70 ft wide |
| Driveway | Driveway |
| Driveway Area | 440 sqft |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Porch |
| Porch Area | 371 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1912 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 18 BLK 12 ORB 3940 P 41 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Subdivision | HENTZ 1ST ADD UNIT B REPLAT |
| Legal Block | 12 |
| Legal Lot Number | 18 |
| Legal Unit | B |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 2300 |
Source: Bay County records, as of January 23, 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 | 1912 CHESTNUT AVE, PANAMA CITY, FL 32405-2442 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UPEQUITY SPV2 LLC |
| Sep 26, 2017 | Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2017 · Amount on Record |
| Deed Sale | Sep 26, 2017 · Amount on Record |
| Prior Sale | Oct 14, 2005 · Amount on Record |
| Deed Document Number | 2017055094 |
| Deed Book / Page | 3940 / 0041 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1912 CHESTNUT AVE, PANAMA CITY, FL 32405-2442 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0049570629 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 4957/629 |
| Instrument | 2025056083 |
| Name | UPEQUITY SPV2 LLC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 3 Months |
| Due | Dec 22, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 26, 2017 |
| Property Address | 1912 CHESTNUT AVE, PANAMA CITY, FL 32405-2442 |
| Document Number | 0039400041 |
| Book / Page | 3940 / 0041 |
| Map Reference | MB9 PG62 |
| Instrument Date | Aug 21, 2017 |
| Instrument | 2017055094 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | CORNERSTONE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3376 GRIM AVE APT 1, 3376, SAN DIEGO, CA 92104-4650 |
| Name | Verified Name |
|---|---|
| Address | 1912 CHESTNUT AVE, PANAMA CITY, FL 32405-2442 |
| Document Number | 2017055095 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 2017055095 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
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 | $634.00 (-25.06%) Homeowner's exemption | $82,235 (+5.99%) | $158,427 (+15.51%) Land $44,678 Building $113,749 |
| 2023 | $846.00 (+0.12%) Homeowner's exemption | $77,589 (+3%) | $137,156 (+16.01%) Land $33,746 Building $103,410 |
| 2022 | $845.00 Homeowner's exemption | $75,329 | $118,224 Land $24,036 Building $94,188 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 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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