Bay County property record for 237 Central Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,144 sqft · built 1947 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Mar 2025) |
| Tax Bill | $2,835 (2025) |
| Deeds & Mortgages | Mar 2025 Sale & Mortgage Mar 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23814-000-000 |
| Primary APN | 23814-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| Gross Area | 1,200 sqft |
| 1st Floor Area | 1,144 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
| Porch Area | 460 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 237 CENTRAL AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5688 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRINGFIELD PLAT LOT 3 BLK 5 ORB 4807 P 1672 MAP 118C2 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | SPRINGFIELD PLAT |
| Legal Block | 5 |
| Legal Lot Number | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 1000 |
237 Central Ave is owned and occupied by two individuals who bought it in March 2025.
Source: Bay County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 237 CENTRAL AVE, PANAMA CITY, FL 32401-5688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 31, 2025 | Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Mar 13, 2025 | Correction Deed |
| Jun 3, 2024 | Warranty Deed, Transfer · Line of Credit PANHANDLE CREDIT UNION |
| Apr 19, 2023 | Warranty Deed, Transfer M TITLE GROUP LLC, ITITLE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2025 · Amount on File |
| Deed Sale | Mar 31, 2025 · Amount on File |
| Prior Sale | Jun 3, 2024 · Amount on File |
| Deed Document Number | 202517413 |
| Deed Book / Page | 4898 / 1197 |
| Prior Transfer Date | May 27, 2014 |
| Prior Transfer Doc | 0038811759 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 31, 2025 |
| Property Address | 237 CENTRAL AVE, PANAMA CITY, FL 32401-5688 |
| Document Number | 0048981197 |
| Book / Page | 4898 / 1197 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Mar 28, 2025 |
| Instrument | 2025017413 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4401 BLUEWATER DR, PANAMA CITY, FL 32404-5203 |
| Name | Verified Name |
|---|---|
| Address | 237 CENTRAL AVE, PANAMA CITY, FL 32401-5688 |
| Document Number | 0048981199 |
|---|---|
| Date | Mar 31, 2025 |
| Instrument | 4898/1199 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 13, 2025 |
| Property Address | 237 CENTRAL AVE, PANAMA CITY, FL 32401-5688 |
| Document Number | 0048930012 |
| Book / Page | 4893 / 12 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Mar 13, 2025 |
| Instrument | 2025013710 |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 12805 US HIGHWAY 98 E # EE201, EE201, INLET BEACH, FL 32461-9630 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 3, 2024 |
| Property Address | 237 CENTRAL AVE, PANAMA CITY, FL 32401-5688 |
| Document Number | 0048071672 |
| Book / Page | 4807 / 1672 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | May 31, 2024 |
| Instrument | 2024032155 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $227.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5405 FLEMING ST, PANAMA CITY, FL 32404-7275 |
| Name | Verified Name |
|---|---|
| Address | 4401 BLUEWATER DR, PANAMA CITY, FL 32404-5203 |
| Document Number | 0048071674 |
|---|---|
| Date | Jun 3, 2024 |
| Instrument | 4807/1674 |
| Name | PANHANDLE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 31, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 19, 2023 |
| Property Address | 237 CENTRAL AVE, PANAMA CITY, FL 32401-5688 |
| Document Number | 0046800443 |
| Book / Page | 4680 / 443 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Apr 14, 2023 |
| Instrument | 2023024144 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | M TITLE GROUP LLC, ITITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $189.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6304 LOIS ST, PANAMA CITY, FL 32404-7522 |
| Name | Verified Name |
|---|---|
| Address | 5405 FLEMING ST, PANAMA CITY, FL 32404-7275 |
The 2025 property tax bill for 237 Central Ave was $2,835, up 571.8% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,835.00 (+571.8%) | $178,784 (+924.55%) Land $19,500 Building $159,284 | $178,784 (+924.55%) Land $19,500 Building $159,284 |
| 2024 | $422.00 (+21.61%) | $17,450 (+30.67%) Land $17,450 | $17,450 (+30.67%) Land $17,450 |
| 2023 | $347.00 (+11.58%) | $13,354 (+21.36%) Land $13,350 Building $4 | $13,354 (+21.36%) Land $13,350 Building $4 |
| 2022 | $311.00 | $11,004 Land $11,000 Building $4 | $11,004 Land $11,000 Building $4 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 237 Central Ave in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 11 (1979–2020) |
| Claims Outside the SFHA | 8 of 11 |
| Most Recent Claim | Nov 2020 · 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.
The area around 237 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| 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 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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