Bay County property record for 305 Spring Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,268 sqft · built 1948 |
| Lot Size | 0.223 acres (9,714 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $127,000 (Dec 2021) |
| Tax Bill | $1,301 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22477-000-000 |
| Primary APN | 22477-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,268 sqft Heated Area |
| Gross Area | 1,472 sqft |
| 1st Floor Area | 1,268 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,714 sqft (0.223 acres) |
| Lot Dimensions | 150 ft deep x 65 ft wide |
| Driveway | Driveway |
| Driveway Area | 192 sqft |
| Porch | Porch |
| Porch Area | 204 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 305 SPRING AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4872 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RANDALL GRAY REPLAT LOT 4 ORB 4502 P 192 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | RANDALL GRAYS ADD |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1040 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 305 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 3, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 22, 2021 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2021 · Amount on Record |
| Deed Sale | Dec 22, 2021 · Amount on Record |
| Prior Sale | Nov 23, 2009 · Amount on Record |
| Deed Document Number | 2021096483 |
| Deed Book / Page | 4502 / 192 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 305 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 305 SPRING AVE, P C BEACH, FL 32401-4872 |
| Document Number | 0046442136 |
|---|---|
| Date | Jan 3, 2023 |
| Book Page | 4644/2136 |
| Instrument | 2023000004 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 22, 2021 |
| Property Address | 305 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Document Number | 0045020192 |
| Book / Page | 4502 / 192 |
| Map Reference | MB 7 PG 10 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 2021096483 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $889.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2338 STATE AVE, 2338, PANAMA CITY, FL 32405-4361 |
| Name | Verified Name |
|---|---|
| Address | 305 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Document Number | 0004502194 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 4502/194 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
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 | $1,301.00 (-15.19%) Homeowner's exemption | $124,427 (+3.04%) | $130,596 (+8.14%) Land $25,025 Building $105,571 |
| 2023 | $1,534.00 (-18.27%) Homeowner's exemption | $120,761 (+11.24%) Land $19,500 Building $101,261 | $120,761 (+11.24%) Land $19,500 Building $101,261 |
| 2022 | $1,877.00 | $108,556 Land $14,625 Building $93,931 | $108,556 Land $14,625 Building $93,931 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 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 318 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 | 100 / 20 |
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