Bay County property record for 241 Olive Ave, Panama City, FL 32401
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 1 ba · 1,134 sqft · built 1948 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Company Name on Record |
| Last Sale | $79,000 (Feb 2018) |
| Tax Bill | $703 (2025) |
| Deeds & Mortgages | Dec 2019 Loan Modification Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24080-010-000 |
| Primary APN | 24080-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,134 sqft Heated Area |
| Gross Area | 1,366 sqft |
| 1st Floor Area | 1,134 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1948 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 88 sqft |
| Fence | Fence |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 241 OLIVE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-6141 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PC05 |
| Legal Description | KEITHS BAY HARBOR ADD (12.7A) LOT 12 BLK 3 ORB 3984 P 2094 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | HARBOR ADD |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 1800 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2310 S HIGHWAY 77 STE 110STE110, 110STE110, LYNN HAVEN, FL 32444-4616 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 11, 2019 | Loan Modification, Mortgage · Conventional with PMI BAY VISIONS LLC |
| Mar 2, 2018 | Warranty Deed, Transfer WALTERS L E JR TRUST (PT) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 2018 · Amount on Record |
| Deed Sale | Feb 23, 2018 · Amount on Record |
| Deed Document Number | 0039842094 |
| Prior Transfer Date | May 28, 2004 |
| Prior Transfer Doc | 2004-041033 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 241 OLIVE AVE, PANAMA CITY, FL 32401-6141 |
| Document Number | 0042051004 |
| Instrument Date | Dec 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0042051004 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 004205/001004 |
| Instrument | 108680 |
| Name | BAY VISIONS LLC |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Dec 26, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 2, 2018 |
| Property Address | 241 OLIVE AVE, PANAMA CITY, FL 32401-6141 |
| Document Number | 0039842094 |
| Book / Page | 003984 / 002094 |
| Instrument Date | Feb 23, 2018 |
| Instrument | 12157 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $553.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8939 N MCCANN RD PANAMA CITY FL 32409, PANAMA CITY, FL 32409 |
| Document Number | 39842150 |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 003984/002150 |
| Instrument | 12171 |
| Name | WALTERS L E JR TRUST (PT) |
|---|---|
| Address | PO BOX 35206, PANAMA CITY, FL 32412-5206 |
| Amount | Amount Recorded |
|---|
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $703.00 (-14.99%) | $53,037 (+22.16%) Land $19,110 Building $33,927 | $53,037 (+22.16%) Land $19,110 Building $33,927 |
| 2023 | $827.00 (+11.76%) | $43,416 (+15.31%) Land $13,083 Building $30,333 | $43,416 (+15.31%) Land $13,083 Building $30,333 |
| 2022 | $740.00 | $37,652 Land $10,780 Building $26,872 | $37,652 Land $10,780 Building $26,872 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 units insured incl. 28 condo units |
| Nearby Flood Claims | 19 (1979–2021) |
| Claims Outside the SFHA | 13 of 19 |
| 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 99.1% of the US · lower than 98.7% 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.
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 301 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 · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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