Bay County property record for 331 State Ave, Panama City, FL 32405
| Property Type | Commercial Vacant Land |
|---|---|
| Details | 2 bd · 2 ba · 2,725 sqft · built 2007 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Company Name on Record |
| Last Sale | $450,000 (Oct 2004) |
| Tax Bill | $972 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 13010-010-000 |
| Primary APN | 13010-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,725 sqft |
| 1st Floor Area | 2,725 sqft |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Brick |
| Lot Area | 10,498 sqft (0.241 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| Garage Area | 560 sqft |
| Driveway | Driveway |
| Driveway Area | 800 sqft |
| Porch | Porch |
| Porch Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 331 STATE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Local Zoning Code | PC06 |
| Legal Description | 29 3S 14W -13.6- 91A ST A B DEV CO PLAT COM AT SE COR LOT 116 TH W 540 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 29 |
| Legal Lot Number | 116 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 1502 |
Source: Bay County records, as of March 11, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4739 SUNSET DR, PANAMA CITY, FL 32404-7346 |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2004 · Amount on Record |
| Deed Sale | Oct 22, 2004 · Amount on Record |
| Prior Sale | Oct 22, 2004 · Amount on Record |
| Deed Document Number | 0025171236 |
| Last Transfer Date | Feb 27, 2026 |
| Transfer Doc | 0050062043 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 27, 2026 |
| Property Address | 331 STATE AVE, PANAMA CITY, FL 32405 |
| Document Number | 0050062043 |
| Book / Page | 5006 / 2043 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 2026011980 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 321 W 23RD PL, PANAMA CITY, FL 32405-4302 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 4739 SUNSET DR, PANAMA CITY, FL 32404-7346 |
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 | $972.00 (-71.74%) | $89,812 (-48.15%) Land $84,000 Building $5,812 | $89,812 (-48.15%) Land $84,000 Building $5,812 |
| 2023 | $3,440.00 (-38.69%) | $173,202 (-47.25%) Land $34,160 Building $139,042 | $173,202 (-47.25%) Land $34,160 Building $139,042 |
| 2022 | $5,611.00 | $328,354 Land $31,150 Building $297,204 | $328,354 Land $31,150 Building $297,204 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 79 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile, Verizon.
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