Bay County property record for 218 N Comet Ave, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 819 sqft · built 1940 |
| Lot Size | 0.371 acres (16,160 sqft) |
| Owner | Company Name on Record |
| Last Sale | $32,000 (Apr 2013) |
| Tax Bill | $795 (2025) |
| Deeds & Mortgages | Mar 2023 Construction Loan Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06046-050-000 |
| Primary APN | 06046-050-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 819 sqft Living Area |
| 1st Floor Area | 819 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wood |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Shingles |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 16,160 sqft (0.371 acres) |
| Lot Dimensions | 205 ft deep x 79 ft wide |
| Porch | Slab |
| Porch Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 218 N COMET AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 7 4S 13W -18.5- 131C4 COM AT SW COR OF SW1/4 OF NE1/4 OF SE1/4 TH E 15 N 25 TO E R/W OF COMET AV TH CONT N 229 FOR POB TH CONT N 76 E 205 S 76 W 205 TO POB ORB 3497 P 1339 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 07 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 803 |
Source: Bay County records, as of July 13, 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 | Company Name on Record |
|---|---|
| Mailing Address | 2413 PARKWOOD DR, PANAMA CITY, FL 32405-4442 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 28, 2023 | Deed of Trust, Mortgage · Construction Mortgage FAIRWINDS CU |
| Sep 7, 2018 | Deed of Trust, Mortgage · Line of Credit ONE SOUTH BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2013 · Amount on Record |
| Deed Sale | Apr 2, 2013 · Amount on Record |
| Prior Sale | Jan 23, 2013 |
| Deed Document Number | 201318592 |
| Deed Book / Page | 3497 / 1339 |
| Prior Transfer Date | Oct 2, 2000 |
| Prior Transfer Doc | 0000009199 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 218 N COMET AVE, PANAMA CITY, FL 32404-7507 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0046712297 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 4671/2297 |
| Instrument | 2023018549 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32801 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 218 N COMET AVE, PANAMA CITY, FL 32404-7507 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040451622 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 4045/1622 |
| Instrument | 2018053860 |
| Name | ONE SOUTH BANK |
|---|---|
| Type | Bank |
| Address | CHIPLEY, FL 32428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2033 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $795.00 (+12.45%) | $61,082 (+14.63%) Land $29,862 Building $31,220 | $61,082 (+14.63%) Land $29,862 Building $31,220 |
| 2023 | $707.00 (+16.86%) | $53,287 (+8.52%) Land $24,742 Building $28,545 | $53,287 (+8.52%) Land $24,742 Building $28,545 |
| 2022 | $605.00 | $49,105 Land $23,036 Building $26,069 | $49,105 Land $23,036 Building $26,069 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 35 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 35 in force |
| Nearby Flood Claims | 8 (2005–2021) |
| Claims Outside the SFHA | 6 of 8 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 369 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 |
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