Bay County property record for 2000 Clay Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,689 sqft · built 1961 |
| Lot Size | 0.263 acres (11,456 sqft) |
| Owner | Company Name on File |
| Last Sale | $70,000 (May 2012) |
| Tax Bill | $300 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28775-000-000 |
| Primary APN | 28775-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,689 sqft Living Area |
| 1st Floor Area | 1,689 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,456 sqft (0.263 acres) |
| Lot Dimensions | 135 ft deep x 85 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Porch | Slab |
| Porch Area | 289 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2000 CLAY AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-2444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC01 |
| Legal Description | HENTZ 1ST ADD UNIT B REPLAT LOT 18-A BLK 9 ORB 3463 P 754 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Subdivision | HENTZ 1ST ADD |
| Legal Block | 9 |
| Legal Lot Number | 18-A |
| Legal Unit | B |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2300 |
2000 Clay Ave is owned by a company that acquired it in November 2012 and is owner-occupied.
Source: Bay County records, as of May 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 758, LYNN HAVEN, FL 32444-0758 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 | Name on Deed |
|---|---|
| Last Sale | May 16, 2012 · Amount on File |
| Deed Sale | May 16, 2012 · Amount on File |
| Prior Sale | Dec 29, 2003 · Amount on File |
| Deed Document Number | 201226000 |
| Deed Book / Page | 3409 / 974 |
| Last Transfer Date | Nov 30, 2012 |
| Transfer Doc | 0034630754 |
| Record Updated | Oct 29, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $141,154 | $157,740 Land $54,252 Building $103,488 | |
| 2024 | $300.00 (-10.71%) | ||
| 2023 | $336.00 (+3.7%) Additional exemption filed | $134,603 (+17.78%) Land $40,977 Building $93,626 | $134,603 (+17.78%) Land $40,977 Building $93,626 |
| 2022 | $324.00 Additional exemption filed | $114,285 Land $29,187 Building $85,098 | $114,285 Land $29,187 Building $85,098 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2000 Clay Ave in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 2000 Clay 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 98% of the US · lower than 97.6% 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 447 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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