Bay County property record for 404 Spring Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1930 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Nov 2022) |
| Tax Bill | $1,333 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Jun 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22646-000-000 |
| Primary APN | 22646-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 145 ft deep x 49 ft wide |
| Garage Type | Detached |
| Porch | Open Porch |
| Porch Area | 238 sqft |
| Deck Area | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 404 SPRING AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4775 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MU2 |
| Legal Description | PINECREST ADD LOT 8 LESS PART OF SE COR & BEG NW COR LOT 9 TH S 3 NELY 72.56 W 72.50 TO POB BLK I ORB 4626 P 2363 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | PINECREST ADD |
| Legal Block | I |
| Legal Lot Number | 8,9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1800 |
Source: Bay County records, as of January 5, 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 | 404 SPRING AVE, PANAMA CITY, FL 32401-4775 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST |
| Jun 17, 2021 | Warranty Deed, Transfer NOT AVAILABLE, SENTINEL TITLE LLC |
| Feb 26, 2021 | Warranty Deed, Transfer ADVANTAGEONE TITLE, ADVANTAGE TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2022 · Amount on Record |
| Deed Sale | Nov 1, 2022 · Amount on Record |
| Prior Sale | Jun 17, 2021 · Amount on Record |
| Deed Document Number | 202279816 |
| Deed Book / Page | 4626 / 2363 |
| Prior Transfer Date | Aug 17, 2005 |
| Prior Transfer Doc | 0026721316 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 1, 2022 |
| Property Address | 404 SPRING AVE, PANAMA CITY, FL 32401-4775 |
| Document Number | 0046262363 |
| Book / Page | 4626 / 2363 |
| Instrument Date | Oct 31, 2022 |
| Instrument | 2022079816 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 505 QUEENSWAY RD, 505, WILLOW PARK, TX 76087-7333 |
| Name | Verified Name |
|---|---|
| Address | 4002 BUCKS RUN RD UNIT 104, 104, LOUISVILLE, KY 40219-3325 |
| Document Number | 0046262365 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 4626/2365 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 17, 2021 |
| Property Address | 404 SPRING AVE, PANAMA CITY, FL 32401-4775 |
| Document Number | 0044210626 |
| Book / Page | 4421 / 626 |
| Instrument Date | Jun 16, 2021 |
| Instrument | 2021045832 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2021 |
| Title Company | NOT AVAILABLE, SENTINEL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $934.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6821 FORSYTHE DR, 6821, PANAMA CITY, FL 32404-4901 |
| Name | Verified Name |
|---|---|
| Address | 505 QUEENSWAY RD, WILLOW PARK, TX 76087-7333 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 26, 2021 |
| Property Address | 404 SPRING AVE, PANAMA CITY, FL 32401-4775 |
| Document Number | 0043680934 |
| Book / Page | 4368 / 934 |
| Map Reference | MB 1 PG 56 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021013769 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ADVANTAGEONE TITLE, ADVANTAGE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $315.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 137 WOODCREST DRIVE, 137, HOUSTON, TX 77018 |
| Name | Verified Name |
|---|---|
| Address | 6821 FORSYTHE DR, PANAMA CITY, FL 32404-4901 |
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 | $1,333.00 (-6.91%) Homeowner's exemption | $126,474 (-3.02%) | $128,790 (-1.24%) Land $18,676 Building $110,114 |
| 2024 | $1,432.00 (-15.81%) | ||
| 2023 | $1,701.00 (-12.18%) Homeowner's exemption | $130,412 (+15.92%) Land $14,553 Building $115,859 | $130,412 (+15.92%) Land $14,553 Building $115,859 |
| 2022 | $1,937.00 | $112,499 Land $10,914 Building $101,585 | $112,499 Land $10,914 Building $101,585 |
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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