2802 State Ave, Panama City, FL 32405 Property Records

Bay County property record for 2802 State Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,727 sqft · built 1975
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Owner Names on File
Last Sale	$195,000 (Aug 2012)
Tax Bill	$2,933 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12989-099-000`

Property Details

APN / Parcel Number

Primary APN	`12989-099-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,727 sqft Heated Area
Gross Area	4,414 sqft
1st Floor Area	2,727 sqft
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	200 ft deep x 120 ft wide
Garage Area	567 sqft

Exterior Amenities

Porch	Porch
Porch Area	592 sqft
Patio Area	192 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2802 STATE AVE
City	PANAMA CITY
State	FL
Zip	32405-4326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	29 3S 14W -1.28- ST A B DEV CO PLAT BEG 50' E & 1975.24' S OF NW
Legal Range	14W
Legal Township	03S
Legal Section	29
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4015
Census Tract	1502

Owner

The current owner of 2802 State Ave bought it in August 2012.

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

Owner of Record	2 Owner Names on File
Mailing Address	2802 STATE AVE, PANAMA CITY, FL 32405-4326
Occupancy	Owner Occupied

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	Aug 24, 2012 · Amount on File
Deed Sale	Aug 24, 2012 · Amount on File
Deed Document Number	2012046206
Deed Book / Page	3435 / 2094
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2802 STATE AVE, PANAMA CITY, FL 32405-4326
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040650083
Date	Dec 3, 2018
Book Page	4065/0083
Instrument	2018070098

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2802 State Ave was $2,933 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	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,933.00 Homeowner's exemption	$227,737	$307,545 Land $80,482 Building $227,063
2023	$3,207.00 (+6.37%) Homeowner's exemption	$214,873 (+3%)	$281,338 (+8.95%) Land $63,244 Building $218,094
2022	$3,015.00 Homeowner's exemption	$208,615	$258,235 Land $57,672 Building $200,563

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

Flood

FEMA maps place 2802 State Ave in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 119 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	119 in force
Nearby Flood Claims	77 (1988–2022)
Claims Outside the SFHA	29 of 77
Most Recent Claim	Sep 2022 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 46 claims Severe Storms And Flooding, Jul 2013 · 4 claims Hurricane Georges, Sep 1998 · 2 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 2802 State Ave is low, with less than a 0.01% annual chance of 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 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20