Bay County property record for 1915 Monroe Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,375 sqft · built 1964 |
| Lot Size | 0.203 acres (8,886 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $39,000 (Feb 1994) |
| Tax Bill | $502 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14236-000-000 |
| Primary APN | 14236-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,375 sqft Heated Area |
| Gross Area | 1,647 sqft |
| 1st Floor Area | 1,375 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,886 sqft (0.203 acres) |
| Lot Dimensions | 137 ft deep x 65 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 184 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1915 MONROE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | MONROEVILLE REPLAT LOT 10 BLK B ORB 1484 P 479 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 32 |
| Legal Subdivision | MONROEVILLE REPLAT |
| Legal Block | B |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 1502 |
1915 Monroe Ave is owned and occupied by two individuals who bought it in February 1994.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1915 MONROE AVE, PANAMA CITY, FL 32405-4014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 1994 · Amount on File |
| Deed Sale | Feb 21, 1994 · Amount on File |
| Deed Document Number | 0001484479 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1915 Monroe Ave was $502 with a homeowner's exemption.
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 | $502.00 Homeowner's exemption | $70,225 | $100,418 Land $24,148 Building $76,270 |
| 2023 | $690.00 (-6.63%) Homeowner's exemption | $66,258 (+4.81%) | $84,614 (+21.99%) Land $21,373 Building $63,241 |
| 2022 | $739.00 Homeowner's exemption | $63,217 | $69,363 Land $16,708 Building $52,655 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1915 Monroe Ave in Zone X, an area of minimal 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 31 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 15 (1982–2022) |
| Claims Outside the SFHA | 13 of 15 |
| Most Recent Claim | Sep 2022 · 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 1915 Monroe 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 97% of the US · lower than 96% 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 122 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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