Bay County property record for 407 Maple Ave, Panama City, FL 32401
| Property Type | Commercial Office |
|---|---|
| Details | 3 bd · 951 sqft · built 1938 |
| Lot Size | 0.337 acres (14,679 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,500,000 (May 2021) |
| Tax Bill | $7,469 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22389-000-000 |
| Primary APN | 22389-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 951 sqft Gross Area |
| 1st Floor Area | 951 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,679 sqft (0.337 acres) |
| Lot Dimensions | 128 ft deep x 115 ft wide |
| Deck Area | 1,627 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 407 MAPLE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4777 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | PC10 |
| Legal Description | OAKRIDGE 1ST ADD. COM AT THE SE COR OF NW1/4 OF SE1/4 OF NW1/4 TH RUN W 294.90 FOR POB TH RUN S 74.97 TH W 20 S 37.51 W 114.90 TO SEAWALL TH RUN NLY ALONG SAID SEAWALL 115.33 M/L TO THE N LINE OF LOT 1 BLK 4 TH RUN E ALONG SAID LOT LINE 112.65 TO PO |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | OAKRIDGE 1ST ADD |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 1800 |
Source: Bay County records, as of March 12, 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 |
|---|---|
| Mailing Address | 6727 DE LEN DR, PANAMA CITY, FL 32404-4225 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage · Commercial Mortgage THE HUNTINGTON NATIONAL BANK |
| May 6, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage BANCORPSOUTH BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2021 · Amount on Record |
| Deed Sale | May 6, 2021 · Amount on Record |
| Prior Sale | Oct 8, 2018 · Amount on Record |
| Deed Document Number | 202134402 |
| Deed Book / Page | 4402 / 1716 |
| Last Transfer Date | Jul 17, 2025 |
| Transfer Doc | 0049331381 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 407 MAPLE AVE, PANAMA CITY, FL 32401-4777 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 260130, LAKEWOOD, CO 80226-0130 |
| Document Number | 0050051558 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 5005/1558 |
| Instrument | 2026011234 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, TN 38301 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 6, 2021 |
| Property Address | 407 MAPLE AVE, PANAMA CITY, FL 32401-4777 |
| Document Number | 0044021716 |
| Book / Page | 4402 / 1716 |
| Map Reference | MB 7 PG 38 |
| Instrument Date | May 5, 2021 |
| Instrument | 2021034402 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6727 DE LEN DR, 6727, PANAMA CITY, FL 32404-4225 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 260130, LAKEWOOD, CO 80226-0130 |
| Document Number | 0044021732 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 4402/1732 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $7,469.00 (-3.35%) | $472,939 (+%) Land $441,600 Building $31,339 | $472,939 (+%) Land $441,600 Building $31,339 |
| 2024 | $7,728.00 (-0.78%) | ||
| 2023 | $7,789.00 (+1.78%) | $472,938 (-) Land $441,600 Building $31,338 | $472,938 (-) Land $441,600 Building $31,338 |
| 2022 | $7,653.00 | $472,938 Land $441,600 Building $31,338 | $472,938 Land $441,600 Building $31,338 |
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 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 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 218 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 |
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