2116 High Ave, Panama City, FL 32405 Property Records

Bay County property record for 2116 High Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 964 sqft · built 1991
Lot Size	0.126 acres (5,532 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Jan 2018)
Tax Bill	$292 (2023)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`28011-037-000`

Property Details

APN / Parcel Number

Primary APN	`28011-037-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	964 sqft Heated Area
Gross Area	1,344 sqft
1st Floor Area	964 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2021
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,532 sqft (0.126 acres)
Lot Dimensions	132 ft deep x 42 ft wide
Garage Area	264 sqft
Driveway	Driveway
Driveway Area	480 sqft
Porch	Porch
Porch Area	116 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2116 HIGH AVE
City	PANAMA CITY
State	FL
Zip	32405-1439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	DRUMMOND & WARE ADD N 42' OF S 48' LOT 15 BLK 10 ORB 3968 P 926
Legal Range	15W
Legal Township	03S
Legal Section	35
Legal Subdivision	DRUMMOND & WARE ADD
Legal Block	10
Legal Lot Number	15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2007
Census Tract	2400

Owner

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	Individual Name on Record
Mailing Address	2116 HIGH AVE, PANAMA CITY, FL 32405-1439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2018 · Amount on Record
Deed Sale	Jan 4, 2018 · Amount on Record
Prior Sale	Nov 14, 2003 · Amount on Record
Deed Document Number	2018000801
Deed Book / Page	3968 / 0926
Record Updated	Jun 8, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 4, 2018
Property Address	2116 HIGH AVE, PANAMA CITY, FL 32405-1439
Document Number	0039680926
Book / Page	3968 / 0926
Instrument Date	Jan 3, 2018
Instrument	2018000801
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 S MACARTHUR AVE, 322, PANAMA CITY, FL 32401-3945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2116 HIGH AVE, PANAMA CITY, FL 32405-1439

Mortgage

Document Number	2018000802
Date	Jan 4, 2018
Instrument	2018000802

Lender

Name	INNOVATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$141,112 (+5.99%)	$146,022 (+9.67%) Land $21,531 Building $124,491
2023	$292.00 (-86.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$133,141 (+9.62%) Land $16,128 Building $117,013	$133,141 (+9.62%) Land $16,128 Building $117,013
2022	$2,201.00	$121,452 Land $13,466 Building $107,986	$121,452 Land $13,466 Building $107,986

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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	Hurricane Michael, Oct 2018 · 6 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 3 claims Hurricane Opal, Oct 1995 · 5 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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