Bay County property record for 2115 High Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,064 sqft · built 1982 |
| Lot Size | 0.356 acres (15,507 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Jun 2026) |
| Tax Bill | $2,033 (2023) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Feb 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 28002-010-000 |
| Primary APN | 28002-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 15,507 sqft (0.356 acres) |
| Lot Dimensions | 235 ft deep x 66 ft wide |
| Garage Type | Carport |
| Garage Area | 440 sqft |
| Carport | Carport |
| Carport Area | 440 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 416 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2115 HIGH AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC01 |
| Legal Description | DRUMMOND & WARE ADD LOT 17 & N 38.45 OF LOT 2 MAP 79D2 BLK 9 ORB 4654 P 1626 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | DRUMMOND & WARE ADD |
| Legal Block | 9 |
| Legal Lot Number | 17,2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 2400 |
Source: Bay County records, as of July 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2115 HIGH AVE, PANAMA CITY, FL 32405-1438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Feb 6, 2023 | Warranty Deed, Transfer · FHA Mortgage CADENCE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on Record |
| Deed Sale | Jun 15, 2026 · Amount on Record |
| Prior Sale | Feb 6, 2023 · Amount on Record |
| Deed Document Number | 202635771 |
| Deed Book / Page | 5045 / 21 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 15, 2026 |
| Property Address | 2115 HIGH AVE, PANAMA CITY, FL 32405-1438 |
| Document Number | 0000035771 |
| Book / Page | 5045 / 21 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202635771 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | TITLE GROUP, ITITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2115 HIGH AVE, PANAMA CITY, FL 32405-1438 |
| Document Number | 0000035772, |
|---|---|
| Date | Jun 15, 2026 |
| Book Page | 5045/23 |
| Instrument | 202635772 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 6, 2023 |
| Property Address | 2115 HIGH AVE, PANAMA CITY, FL 32405-1438 |
| Document Number | 0046541626 |
| Book / Page | 4654 / 1626 |
| Map Reference | MB 4 PG 59 |
| Instrument Date | Feb 2, 2023 |
| Instrument | 2023007155 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,811.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 806 S ANDERSON CREEK RD, LINCOLN CITY, OR 97367-9770 |
| Document Number | 0046541629 |
|---|---|
| Date | Feb 6, 2023 |
| Instrument | 4654/1629 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $219,963 (+103.27%) | $223,885 (+106.89%) Land $46,522 Building $177,363 |
| 2023 | $2,033.00 (+99.12%) | $108,214 (+22.62%) Land $34,848 Building $73,366 | $108,214 (+11.94%) Land $34,848 Building $73,366 |
| 2022 | $1,021.00 Homeowner's exemption | $88,249 | $96,674 Land $29,098 Building $67,576 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 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 130 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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