Bay County property record for 2936 State Ave, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,206 sqft · built 1973 |
| Lot Size | 0.596 acres (25,961 sqft) |
| Owner | Company Name on File |
| Last Sale | $320,000 (Dec 2021) |
| Tax Bill | $5,228 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12989-109-000 |
| Primary APN | 12989-109-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,206 sqft Living Area |
| Gross Area | 2,668 sqft |
| 1st Floor Area | 2,206 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 25,961 sqft (0.596 acres) |
| Lot Dimensions | 200 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Driveway | Driveway |
| Driveway Area | 500 sqft |
| Porch | Open Porch |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2936 STATE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 29 3S 14W -1.38- ST AND BAY DEV CO PLAT BEG 50 E & 695.24 S OF NW COR LOT 4 TH S 130 E 200 N 130 W 200 TO POB ORB 4510 P 341 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 29 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 1502 |
2936 State Ave is owned by a company that bought it in December 2021.
Source: Bay County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 7901 4TH ST N, SAINT PETERSBURG, FL 33702-4305 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
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 |
|---|---|
| Jan 11, 2022 | Deed, Transfer · Stand-Alone First Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Dec 6, 2021 | Warranty Deed, Transfer FOUNDATION T&E SERIES LLC |
| Nov 29, 2017 | Deed of Trust, Mortgage · Commercial Mortgage HANCOCK BANK |
| Apr 5, 2019 | Warranty Deed, Transfer · Conventional with PMI MARGARET M HUEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2021 · Amount on File |
| Deed Sale | Dec 6, 2021 · Amount on File |
| Prior Sale | Apr 5, 2019 · Amount on File |
| Deed Document Number | 202192262 |
| Deed Book / Page | 4495 / 173 |
| Prior Transfer Date | Aug 5, 2015 |
| Prior Transfer Doc | 0037220413 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 11, 2022 |
| Property Address | 2936 STATE AVE, PANAMA CITY, FL 32405-4328 |
| Document Number | 0045100341 |
| Book / Page | 4510 / 341 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 2022002510 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 432, LINCOLN, AL 35096-0432 |
| Name | Verified Name |
|---|---|
| Address | 7901 4TH ST N, SAINT PETERSBURG, FL 33702-4305 |
| Document Number | 0004510349 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 4510/349 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 6, 2021 |
| Property Address | 2936 STATE AVE, PANAMA CITY, FL 32405-4328 |
| Document Number | 0044950173 |
| Book / Page | 4495 / 173 |
| Instrument Date | Dec 2, 2021 |
| Instrument | 2021092262 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FOUNDATION T&E SERIES LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2925 BRIARCLIFF RD, 2925, PANAMA CITY, FL 32405-4341 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | PO BOX 432, LINCOLN, AL 35096-0432 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2936 STATE AVE, PANAMA CITY, FL 32405-4328 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039581872 |
|---|---|
| Date | Nov 29, 2017 |
| Book Page | 3958/1872 |
| Instrument | 2017068755 |
| Name | HANCOCK BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32405 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 21, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 5, 2019 |
| Property Address | 2936 STATE AVE, PANAMA CITY, FL 32405-4328 |
| Document Number | 0041090657 |
| Book / Page | 004109 / 000657 |
| Instrument Date | Apr 4, 2019 |
| Instrument | 35090 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | H AND S TITLE AND ESCROW INC, H&S TITLE & ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2936 STATE AVE PANAMA CITY FL 324054328, PANAMA CITY, FL 32405-4328 |
| Document Number | 41090658 |
|---|---|
| Date | Apr 5, 2019 |
| Book Page | 004109/000658 |
| Instrument | 35091 |
| Name | MARGARET M HUEY |
|---|---|
| Address | 739 JACKSON RD, APOLLO, PA 15613-8031 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 4, 2024 |
The 2025 property tax bill for 2936 State Ave was $5,228, up 2.4% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $5,228.00 (+2.37%) | $331,070 Land $87,188 Building $243,882 | $331,070 Land $87,188 Building $243,882 |
| 2024 | $5,107.00 (-4.45%) | ||
| 2023 | $5,345.00 (+66.61%) | $301,314 (+9.79%) Land $68,515 Building $232,799 | $301,314 (+9.79%) Land $68,515 Building $232,799 |
| 2022 | $3,208.00 | $274,458 Land $62,478 Building $211,980 | $274,458 Land $62,478 Building $211,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2936 State 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 AE, within 100 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 |
|
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 risk around 2936 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 98% of the US · lower than 97.6% 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 262 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures