Bay County property record for 352 Spring Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,144 sqft · built 1994 |
| Lot Size | 0.257 acres (11,195 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $486 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22649-010-000 |
| Primary APN | 22649-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,144 sqft Heated Area |
| Gross Area | 1,224 sqft |
| 1st Floor Area | 1,144 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,195 sqft (0.257 acres) |
| Lot Dimensions | 160 ft deep x 70 ft wide |
| Driveway | Driveway |
| Driveway Area | 396 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 80 sqft |
| Patio Area | 200 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 352 SPRING AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4873 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINECREST ADD LOT 11 & N 22' LOT 12 BLK I ORB 1543 P 1863 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | PINECREST |
| Legal Block | I |
| Legal Lot Number | 11,12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1039 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 352 SPRING AVE, PANAMA CITY, FL 32401-4873 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 1995 |
| Deed Sale | Jan 18, 1995 |
| Deed Document Number | 0015431863 |
| Record Updated | Jun 8, 2026 |
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 | $486.00 (-29.05%) Homeowner's exemption | $67,112 (+5.99%) | $94,920 (+10.07%) Land $27,758 Building $67,162 |
| 2023 | $685.00 (-4.86%) Homeowner's exemption | $63,321 (+3%) | $86,238 (+14.35%) Land $21,630 Building $64,608 |
| 2022 | $720.00 Homeowner's exemption | $61,477 | $75,415 Land $16,222 Building $59,193 |
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 |
|---|---|
| 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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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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