20 E Ave, Panama City, FL 32401 Property Records

Bay County property record for 20 E Ave, Panama City, FL 32401

Property Summary

Property Type	Vacant Land
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$2,500,000 (Jan 2026)
Tax Bill	$831 (2025)
Deeds & Mortgages	Jan 2026 Sale Apr 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07465-010-010`

Property Details

APN / Parcel Number

Primary APN	`07465-010-010`

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	E HIGHWAY 20
City	PANAMA CITY
State	FL
Zip	32409
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	BC01
Legal Description	5 1S 14W -1.1B- 83D COM SW COR TH NELY 1676.71 TO SLY R/W OF SR 20 TH SELY 1621.36 FOR POB TH CONT SELY 241.71 TH SWLY 314.40 SWLY 211.57 SWLY 131.44 SWLY 268.71 SWLY 4.14 NWLY 2.39 SWLY 21.92 TO WATER EDGE TH NWLY 91.37 NELY 825.85 TO POB ORB 4552 P
Legal Range	14W
Legal Township	01S
Legal Section	08
Jurisdiction	BAY FL
Township / Civil Division	SOUTHPORT
Census Block Group	2
Census Block	2008
Census Tract	201

Owner

Source: Bay County records, as of February 11, 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	3613 DELWOOD DR, PANAMA CITY, FL 32408-7404
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Warranty Deed, Subdivision Related Transfer
Apr 20, 2022	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC
Apr 20, 2022	Intrafamily Transfer, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2026 · Amount on Record
Deed Sale	Jan 22, 2026 · Amount on Record
Prior Sale	Apr 20, 2022 · Amount on Record
Deed Document Number	20263966
Deed Book / Page	4994 / 1320
Prior Transfer Date	Apr 14, 2022
Prior Transfer Doc	0045522148
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 22, 2026
Property Address	20 E AVE, PANAMA CITY, FL 32401
Document Number	0049941320
Book / Page	4994 / 1320
Instrument Date	Jan 21, 2026
Instrument	2026003966
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 11, 2026

Transaction

Amount	Amount Recorded
Tax	$17,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 E 15TH ST, PANAMA CITY, FL 32405-5404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3613 DELWOOD DR, PANAMA CITY BEACH, FL 32408-7404

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 20, 2022
Property Address	20 E AVE, PANAMA CITY, FL 32401
Document Number	0045522153
Book / Page	4552 / 2153
Instrument Date	Apr 14, 2022
Instrument	2022029359
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	504 BUNKERS COVE RD, PANAMA CITY, FL 32401-3916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 MEADOWOOD CT, LYNN HAVEN, FL 32444-4930

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Apr 20, 2022
Property Address	20 E AVE, PANAMA CITY, FL 32401
Document Number	0045522148
Book / Page	4552 / 2148
Instrument Date	Apr 14, 2022
Instrument	2022029358
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	564 BUNKERS COVE RD, PANAMA CITY, FL 32401-3916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 BUNKERS COVE RD, PANAMA CITY, FL 32401-3916

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$831.00 (+12.3%)	$66,000 (+1%)	$68,785 (+14.64%) Land $68,785
2024	$740.00 (-1.46%)
2023	$751.00 (+8.53%)	$60,000 (-) Land $60,000	$60,000 (-) Land $60,000
2022	$692.00	$60,000 Land $60,000	$60,000 Land $60,000

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 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 Record median of 23 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	6 (2010–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Severe Storms And Flooding, Jul 2013 · 2 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	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

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