Bay County property record for 2012 Clay Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,248 sqft · built 1960 |
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | Individual Name on File |
| Last Sale | $29,700 (Jan 2006) |
| Tax Bill | $620 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28769-000-000 |
| Primary APN | 28769-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,971 sqft (0.183 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| Garage Type | Carport |
| Garage Area | 480 sqft |
| Carport | Carport |
| Carport Area | 480 sqft |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 704 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2012 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 13 BLK 9 ORB 1320 P 1711 ORB 2728 P 470 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 36 |
| Legal Subdivision | HENTZ 1ST ADD |
| Legal Block | 9 |
| Legal Lot Number | 13 |
| Legal Unit | B |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2300 |
2012 Clay Ave is owned and occupied by an individual who bought it in January 2006.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2012 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 | Jan 20, 2006 · Amount on File |
| Deed Sale | Jan 20, 2006 · Amount on File |
| Deed Document Number | 20064239 |
| Deed Book / Page | 2728 / 470 |
| Prior Transfer Date | Mar 29, 2005 |
| Prior Transfer Doc | 0027280471 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2012 CLAY AVE, PANAMA CITY, FL 32405-2444 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2012 CLAY AVE, TUSCALOOSA, AL 35405 |
| Document Number | 0045142378 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 4514/2378 |
| Instrument | 2022005435 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 2012 Clay Ave was $620 with exemptions applied, down 15.6% 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 | $620.00 (-15.65%) Homeowner's exemption Disabled Person's exemption Widower's exemption | $91,292 | $164,512 Land $44,744 Building $119,768 |
| 2024 | $735.00 (-11.87%) | ||
| 2023 | $834.00 (-16.52%) Homeowner's exemption Disabled Person's exemption Widower's exemption | $86,135 (+3%) | $142,761 (+14.24%) Land $33,796 Building $108,965 |
| 2022 | $999.00 Homeowner's exemption Disabled Person's exemption Widower's exemption | $83,626 | $124,970 Land $24,072 Building $100,898 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2012 Clay Ave in Zone X, an area of minimal flood risk, within 500 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 500 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 2012 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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