2004 Clay Ave, Panama City, FL 32405 Property Records

Bay County property record for 2004 Clay Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,314 sqft · built 1961
Lot Size	0.216 acres (9,408 sqft)
Owner	Individual Name on File
Last Sale	$104,000 (Aug 2004)
Tax Bill	$639 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Feb 2022 Mortgage
Flood Zone	Zone A (high risk)
APN	`28773-000-000`

Property Details

APN / Parcel Number

Primary APN	`28773-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	1,314 sqft
Flooring	Cork
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1991
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,408 sqft (0.216 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	264 sqft
Driveway	Driveway
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2004 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 17 BLK 9 ORB 3324 P 1865 ORB 2002 P 345
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD
Legal Block	9
Legal Lot Number	17
Legal Unit	B
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1004
Census Tract	2300

Owner

2004 Clay Ave is owned and occupied by an individual who acquired it in May 2011.

Source: Bay County records, as of January 28, 2026

Owner of Record	Individual Name on File
Mailing Address	2004 CLAY AVE, PANAMA CITY, FL 32405-2444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INNOVATIONS FINANCIAL CU
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage INNOVATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2004 · Amount on File
Deed Sale	Aug 20, 2004 · Amount on File
Prior Sale	Jun 13, 2000 · Amount on File
Deed Document Number	200465271
Deed Book / Page	2491 / 1440
Last Transfer Date	May 19, 2011
Transfer Doc	0033241865
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2004 CLAY AVE, PANAMA CITY, FL 32405-2444
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049910289
Date	Jan 9, 2026
Book Page	4991/289
Instrument	2026001457

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 9, 2041

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2004 CLAY AVE, PANAMA CITY, FL 32405-2444
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 CLAY AVE, PANAMA CITY, FL 32405-2444

Mortgage

Document Number	0045180529
Date	Feb 1, 2022
Book Page	4518/529
Instrument	2022007403

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32408

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 2004 Clay Ave was $639 with a homeowner's exemption, down 15.8% from the year before.

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

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	$639.00 (-15.81%) Homeowner's exemption	$82,536	$122,743 Land $44,678 Building $78,065
2024	$759.00 (-5.36%)
2023	$802.00 (+5.8%) Homeowner's exemption	$77,874 (+3%)	$104,337 (+18.31%) Land $33,746 Building $70,591
2022	$758.00 Homeowner's exemption	$75,606	$88,191 Land $24,036 Building $64,155

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

Flood

FEMA maps place 2004 Clay 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 Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	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 2004 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.

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 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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