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1914 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1914 Chestnut Ave, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,336 sqft · built 1965
Lot Size0.216 acres (9,409 sqft)
OwnerIndividual Name on File
Last Sale$250,000 (Aug 2022)
Tax Bill$2,529 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Flood ZoneZone A (high risk)
APN28844-000-000

Property Details

APN / Parcel Number

Primary APN28844-000-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,336 sqft Heated Area
Gross Area1,456 sqft
1st Floor Area1,336 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 2015
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area9,409 sqft (0.216 acres)
Lot Dimensions135 ft deep x 70 ft wide
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1914 CHESTNUT AVE
CityPANAMA CITY
StateFL
Zip32405-2442
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC01
Legal DescriptionHENTZ 1ST ADD UNIT B REPLAT LOT 19 BLK 12 ORB 4600 P 47
Legal Range15W
Legal Township03S
Legal Section36
Legal SubdivisionHENTZ 1ST ADD UNIT B REPLAT
Legal Block12
Legal Lot Number19
Legal UnitB
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1019
Census Tract2300

Owner

1914 Chestnut Ave is owned and occupied by an individual who bought it in August 2022.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address1914 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 17, 2022 · Amount on File
Deed SaleAug 17, 2022 · Amount on File
Prior SaleMay 9, 2013 · Amount on File
Deed Document Number2022061162
Deed Book / Page4600 / 47
Record UpdatedJun 8, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 17, 2022
Property Address1914 CHESTNUT AVE, PANAMA CITY, FL 32405-2442
Document Number0046000047
Book / Page4600 / 47
Map ReferenceMB 9 PG 62
Instrument DateAug 16, 2022
Instrument2022061162
Transaction TypeTransfer
Record UpdatedSep 9, 2022
Title CompanyNOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1914 CHESTNUT AVE, 1914, PANAMA CITY, FL 32405-2442

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address3209 A ST APT E, E, PANAMA CITY, FL 32404-5789

Mortgage

Document Number0000460049
DateAug 17, 2022
Instrument4600/49
Lender
NameUNIVERSITY LENDING GROUP LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1914 Chestnut Ave was $2,529 with a homeowner's exemption.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,529.00 Homeowner's exemption$202,215$212,156 Land $44,678 Building $167,478
2023$3,669.00 (+245.16%)$210,429 (+133.32%) Land $33,746 Building $176,683$210,429 (+118.95%) Land $33,746 Building $176,683
2022$1,063.00 Homeowner's exemption$90,190$96,109 Land $24,036 Building $72,073

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1914 Chestnut Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 57 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies57 in force
Nearby Flood Claims71 (1982–2021)
Claims Outside the SFHA55 of 71
Most Recent ClaimOct 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

Wildfire risk around 1914 Chestnut 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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