Bay County property record for 409 Spring Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,279 sqft · built 1940 |
| Lot Size | 0.337 acres (14,679 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $417 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 22654-000-000 |
| Primary APN | 22654-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,279 sqft Living Area |
| 1st Floor Area | 1,279 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,679 sqft (0.337 acres) |
| Lot Dimensions | 160 ft deep x 92 ft wide |
| Garage Type | Carport |
| Garage Area | 342 sqft |
| Carport | Carport |
| Carport Area | 342 sqft |
| Driveway | Driveway |
| Driveway Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 114 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 SPRING AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4774 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MU2 |
| Legal Description | PINECREST ADD LOTS 6,7 BLK J ORB 3280 P 75 MAP 105D1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | PINECREST ADD |
| Legal Block | J |
| Legal Lot Number | 6,7 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 1800 |
409 Spring Ave is owned and occupied by two individuals who acquired it in February 2026.
Source: Bay County records, as of March 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 SPRING AVE, PANAMA CITY, FL 32401-4774 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 27, 2026 |
| Transfer Doc | 0050070180 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 27, 2026 |
| Property Address | 409 SPRING AVE, PANAMA CITY, FL 32401-4774 |
| Document Number | 0050070180 |
| Book / Page | 5007 / 180 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 2026012113 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 409 SPRING AVE, PANAMA CITY, FL 32401-4774 |
| Name | Verified Name |
|---|---|
| Address | 409 SPRING AVE # AU, AU, PANAMA CITY, FL 32401-4774 |
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 | $417.00 (-25.27%) Homeowner's exemption | $54,266 (+5.99%) | $86,188 (+13.12%) Land $36,483 Building $49,705 |
| 2024 | $558.00 (-5.9%) | ||
| 2023 | $593.00 (-8.49%) Homeowner's exemption | $51,201 (+3%) | $76,192 (+17.29%) Land $28,428 Building $47,764 |
| 2022 | $648.00 Homeowner's exemption | $49,710 | $64,961 Land $21,321 Building $43,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Spring Ave in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1979.
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 File 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.
Wildfire risk around 409 Spring Ave is low, with a 0.02% annual chance of wildfire.
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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