Bay County property record for 2006 Clay Ave, Panama City, FL 32405
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 1962 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $30,604 (Apr 2026) |
| Tax Bill | $777 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Mar 2026 Transfer |
| Flood Zone | Zone A (high risk) |
| APN | 28772-000-000 |
| Primary APN | 28772-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 2,128 sqft |
| 1st Floor Area | 1,780 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 155 ft deep x 90 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 68 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 2006 CLAY AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-2444 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PC01 |
| Legal Description | HENTZ 1ST ADD UNIT B REPLAT LOT 16 BLK 9 ORB 3388 P 1024 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Subdivision | HENTZ 1ST ADD |
| Legal Block | 9 |
| Legal Lot Number | 16 |
| Legal Unit | B |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2300 |
2006 Clay Ave, residential vacant land, is owned by two individuals who bought it in April 2026.
Source: Bay County records, as of May 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2004 CLAY AVE, PANAMA CITY, FL 32405-2444 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 27, 2026 | Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SERVICES |
| Mar 9, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2026 · Amount on File |
| Deed Sale | Apr 27, 2026 · Amount on File |
| Deed Document Number | 202624992 |
| Deed Book / Page | 5028 / 350 |
| Prior Transfer Date | Mar 9, 2026 |
| Prior Transfer Doc | 0050101952 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 27, 2026 |
| Property Address | 2006 CLAY AVE, PANAMA CITY, FL 32405-2444 |
| Document Number | 0000024992 |
| Book / Page | 5028 / 350 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.24992 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2026 |
| Title Company | SETCO SERVICES LLC, SETCO SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $21,637.23 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2004 CLAY AVE, PANAMA CITY, FL 32405-2444 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 9, 2026 |
| Property Address | 2006 CLAY AVE, PANAMA CITY, FL 32405-2444 |
| Document Number | 0050101952 |
| Book / Page | 5010 / 1952 |
| Map Reference | MB 9 PG 66 |
| Instrument Date | Mar 9, 2026 |
| Instrument | 2026014310 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4825 E HIGHWAY 388, YOUNGSTOWN, FL 32466-2497 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7307 PAUL RD, PANAMA CITY, FL 32404-4459 |
The 2025 property tax bill for 2006 Clay Ave was $777, up 8.7% from the year before.
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 | $777.00 (+8.67%) | $42,830 (-19.9%) | $61,742 (+15.47%) Land $59,812 Building $1,930 |
| 2024 | $715.00 (-13.65%) | $53,470 (+13.51%) Land $51,540 Building $1,930 | $53,470 (+13.51%) Land $51,540 Building $1,930 |
| 2023 | $828.00 (+17.28%) | $47,107 (+41.72%) Land $45,177 Building $1,930 | $47,107 (+41.72%) Land $45,177 Building $1,930 |
| 2022 | $706.00 | $33,240 Land $32,178 Building $1,062 | $33,240 Land $32,178 Building $1,062 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2006 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 |
|
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 2006 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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