Bay County property record for 2011 Forest Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,460 sqft · built 1964 |
| Lot Size | 0.178 acres (7,797 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $32,000 (Apr 1990) |
| Tax Bill | $418 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28546-000-000 |
| Primary APN | 28546-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,460 sqft Heated Area |
| Gross Area | 1,700 sqft |
| 1st Floor Area | 1,460 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1964 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,797 sqft (0.178 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Driveway | Driveway |
| Driveway Area | 850 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 240 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2011 FOREST AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC01 |
| Legal Description | SHERWOOD SUBD UNIT 1 LOT 26 BLK D ORB 1271 P 309 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Subdivision | SHERWOOD SUBD |
| Legal Block | D |
| Legal Lot Number | 26 |
| Legal Unit | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 2400 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2011 FOREST AVE, PANAMA CITY, FL 32405-1812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 1990 · Amount on Record |
| Deed Sale | Apr 26, 1990 · Amount on Record |
| Deed Document Number | 0001271309 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2011 FOREST AVE, PANAMA CITY, FL 32405-1812 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041861752 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 4186/1752 |
| Instrument | 2019095597 |
| Name | WESLEND FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2034 |
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 | $418.00 (-31.59%) Homeowner's exemption | $54,512 (+5.99%) | $114,585 (+24.6%) Land $44,273 Building $70,312 |
| 2023 | $611.00 (-8.53%) Homeowner's exemption | $51,433 (+3%) | $91,963 (+9.15%) Land $33,150 Building $58,813 |
| 2022 | $668.00 Homeowner's exemption | $49,935 | $84,255 Land $30,500 Building $53,755 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 55 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 15 (1995–2021) |
| Claims Outside the SFHA | 2 of 15 |
| Most Recent Claim | Oct 2021 · other causes |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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 422 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 · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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