2425 Cocoa Ave, Panama City, FL 32405 Property Records

Bay County property record for 2425 Cocoa Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,848 sqft · built 2018
Lot Size	0.176 acres (7,667 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Sep 2018)
Tax Bill	$2,711 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12734-001-040`

Property Details

APN / Parcel Number

Primary APN	`12734-001-040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,848 sqft Heated Area
Gross Area	1,956 sqft
1st Floor Area	924 sqft
2nd Floor Area	924 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,667 sqft (0.176 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Driveway	Driveway
Driveway Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2425 COCOA AVE
City	PANAMA CITY
State	FL
Zip	32405-7132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND CITY (9.27) COM 30' W OF SE COR LOT 13 TH N 274.50' FOR POB TH CONT N
Legal Range	14W
Legal Township	03S
Legal Section	27
Legal Subdivision	HIGHLAND CITY
Legal Block	33
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2036
Census Tract	1302

Owner

2425 Cocoa Ave is owned and occupied by two individuals who bought it in September 2018.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2425 COCOA AVE, PANAMA CITY, FL 32405-7132
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2018 · Amount on File
Deed Sale	Sep 20, 2018 · Amount on File
Deed Document Number	2018056753
Deed Book / Page	4049 / 1530
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2425 COCOA AVE, PANAMA CITY, FL 32405-7132
Document Number	0042701106
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2425 COCOA AVE PANAMA CITY FL 324057132, PANAMA CITY, FL 32405-7132

Mortgage

Document Number	0042701106
Date	Jul 2, 2020
Book Page	004270/001106
Instrument	43524

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 2425 Cocoa Ave was $2,711 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,711.00 Homeowner's exemption	$213,052	$271,463 Land $21,756 Building $249,707
2023	$2,803.00 (+9.11%) Homeowner's exemption	$196,940 (+3%)	$226,899 (+7.82%) Land $16,317 Building $210,582
2022	$2,569.00 Homeowner's exemption	$191,204	$210,434 Land $13,923 Building $196,511

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

Flood

FEMA maps place 2425 Cocoa Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 50 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	88 (1984–2021)
Claims Outside the SFHA	9 of 88
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 38 claims Severe Storms And Flooding, Jul 2013 · 9 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

Wildfire risk around 2425 Cocoa Ave is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 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
T-Mobile Fixed Wireless	100 / 20