Bay County property record for 201 Cascade St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,787 sqft · built 1984 |
| Lot Size | 0.412 acres (17,990 sqft) |
| Owner | Individual Name on File |
| Last Sale | $482,000 (Mar 2025) |
| Tax Bill | $4,960 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13026-643-000 |
| Primary APN | 13026-643-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,787 sqft Heated Area |
| Gross Area | 3,575 sqft |
| 1st Floor Area | 1,788 sqft |
| 2nd Floor Area | 999 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 17,990 sqft (0.412 acres) |
| Lot Dimensions | 150 ft deep x 120 ft wide |
| Garage Type | Carport |
| Garage Area | 528 sqft |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 1,008 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 260 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 201 CASCADE ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST PARK EAST M-91A LOT 17 BLK D ORB 4895 P 1594 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 29 |
| Legal Subdivision | FOREST PARK EAST |
| Legal Block | D |
| Legal Lot Number | 17 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 1502 |
201 Cascade St is owned and occupied by an individual who bought it in March 2025.
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 201 CASCADE ST, PANAMA CITY, FL 32405-4335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Jul 17, 2020 | Warranty Deed, Transfer · VA Mortgage SMARTBANK |
| May 21, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2025 · Amount on File |
| Deed Sale | Mar 24, 2025 · Amount on File |
| Prior Sale | Jul 17, 2020 · Amount on File |
| Deed Document Number | 0048951591 |
| Deed Book / Page | 4895 / 1591 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 11, 2022 |
| Property Address | 201 CASCADE ST, PANAMA CITY, FL 32405-4335 |
| Document Number | 0045860862 |
| Book / Page | 4586 / 862 |
| Map Reference | MB 13 PG 9&10 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 2022051451 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,807.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2761 CACTUS HILL PL, PALM HARBOR, FL 34684-4110 |
| Document Number | 0004586864 |
|---|---|
| Date | Jul 11, 2022 |
| Instrument | 4586/864 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 17, 2020 |
| Property Address | 201 CASCADE ST, PANAMA CITY, FL 32405-4335 |
| Document Number | 0042751061 |
| Book / Page | 004275 / 001061 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 46617 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2020 |
| Title Company | SOUTH OAK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,128.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 201 CASCADE ST PANAMA CITY FL 324054335, PANAMA CITY, FL 32405-4335 |
| Document Number | 42751063 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 004275/001063 |
| Instrument | 46618 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | PIGEON FORGE, TN 37868-1910 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 21, 2019 |
| Property Address | 201 CASCADE ST, PANAMA CITY, FL 32405-4335 |
| Document Number | 0041251209 |
| Book / Page | 004125 / 001209 |
| Instrument Date | May 14, 2019 |
| Instrument | 48672 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 201 CASCADE ST PANAMA CITY FL 324054335, PANAMA CITY, FL 32405-4335 |
The 2025 property tax bill for 201 Cascade St was $4,960 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 | $4,960.00 Homeowner's exemption | $356,102 | $385,245 Land $74,520 Building $310,725 |
| 2023 | $5,289.00 (+32.99%) Homeowner's exemption | $343,896 (+27.76%) Land $58,560 Building $285,336 | $343,896 (+27.76%) Land $58,560 Building $285,336 |
| 2022 | $3,977.00 Homeowner's exemption | $269,163 Land $53,400 Building $215,763 | $269,163 Land $53,400 Building $215,763 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 201 Cascade St 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 119 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 119 in force |
| Nearby Flood Claims | 77 (1988–2022) |
| Claims Outside the SFHA | 29 of 77 |
| Most Recent Claim | Sep 2022 · 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.
The area around 201 Cascade St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 275 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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