Bay County property record for 2008 Clay Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1962 |
| Lot Size | 0.271 acres (11,805 sqft) |
| Owner | Individual Name on File |
| Last Sale | $109,000 (Jul 2015) |
| Tax Bill | $981 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28771-000-000 |
| Primary APN | 28771-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,332 sqft Heated Area |
| Gross Area | 1,664 sqft |
| 1st Floor Area | 1,332 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 11,805 sqft (0.271 acres) |
| Lot Dimensions | 148 ft deep x 80 ft wide |
| Porch | Porch |
| Porch Area | 52 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2008 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 15 91C2 BLK 9 ORB 3716 P 464 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Subdivision | HENTZ 1ST ADD UNIT B REPLAT |
| Legal Block | 9 |
| Legal Lot Number | 15 |
| Legal Unit | B |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2300 |
2008 Clay Ave is owned and occupied by an individual who bought it in July 2015.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2008 CLAY AVE, PANAMA CITY, FL 32405-2444 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2015 · Amount on File |
| Deed Sale | Jul 16, 2015 · Amount on File |
| Prior Sale | Oct 5, 2009 |
| Deed Document Number | 2015039058 |
| Deed Book / Page | 3716 / 0464 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2008 Clay Ave was $981 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $981.00 Homeowner's exemption | $104,171 | $143,386 Land $52,640 Building $90,746 |
| 2023 | $1,146.00 (+0.79%) Homeowner's exemption | $98,286 (+3%) | $121,816 (+17.78%) Land $39,760 Building $82,056 |
| 2022 | $1,137.00 Homeowner's exemption | $95,423 | $103,426 Land $28,320 Building $75,106 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2008 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 2008 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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