1917 Monroe Ave, Panama City, FL 32405 Property Records

Bay County property record for 1917 Monroe Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,220 sqft · built 1965
Lot Size	0.314 acres (13,678 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jun 2021)
Tax Bill	$1,949 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14235-000-000`

Property Details

APN / Parcel Number

Primary APN	`14235-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,220 sqft Heated Area
Gross Area	1,852 sqft
1st Floor Area	1,220 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	13,678 sqft (0.314 acres)
Lot Dimensions	137 ft deep x 100 ft wide
Porch	Porch
Porch Area	64 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1917 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 9 & E 35' LOT 8 BLK B ORB 4413 P 974
Legal Range	14W
Legal Township	03S
Legal Section	32
Legal Subdivision	MONROEVILLE REPLAT
Legal Block	B
Legal Lot Number	8,9
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3012
Census Tract	1502

Owner

1917 Monroe Ave is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1917 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on File
Deed Sale	Jun 1, 2021 · Amount on File
Prior Sale	Feb 19, 2015 · Amount on File
Deed Document Number	2021041078
Deed Book / Page	4413 / 974
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 1, 2021
Property Address	1917 MONROE AVE, PANAMA CITY, FL 32405-4014
Document Number	0044130974
Book / Page	4413 / 974
Map Reference	MB 9 PG 96
Instrument Date	May 10, 2021
Instrument	2021041078
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8210 82ND AVE, 8210, SEMINOLE, FL 33777-3636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 MONROE AVE, PANAMA CITY, FL 32405-4014

Mortgage

Document Number	4413978
Date	Jun 1, 2021
Instrument	4413/978

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1917 Monroe Ave was $1,949 with a homeowner's exemption.

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

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	$1,949.00 Homeowner's exemption	$165,494	$203,884 Land $37,151 Building $166,733
2023	$2,150.00 (+6.33%) Homeowner's exemption	$156,146 (+3%)	$171,235 (+12.95%) Land $32,883 Building $138,352
2022	$2,022.00 Homeowner's exemption	$151,598 Land $25,705 Building $125,893	$151,598 Land $25,705 Building $125,893

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1917 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	Hurricane Michael, Oct 2018 · 3 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 1917 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.

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 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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