Bay County property record for 412 Maple Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,122 sqft · built 1941 |
| Lot Size | 0.241 acres (10,497 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,067 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22361-000-000 |
| Primary APN | 22361-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,122 sqft Living Area |
| Gross Area | 2,842 sqft |
| 1st Floor Area | 1,996 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,497 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Driveway | Driveway |
| Driveway Area | 1,372 sqft |
| Porch | Florida Room |
| Porch Area | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 412 MAPLE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4778 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HI |
| Legal Description | OAKRIDGE ADD LOT 9 ORB 4833 P 1196 MAP 105D2 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | OAKRIDGE ADD |
| Legal Lot Number | 9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 1800 |
412 Maple Ave is owned and occupied by two individuals who acquired it in August 2024.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 412 MAPLE AVE, PANAMA CITY, FL 32401-4778 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 20, 2024 |
| Transfer Doc | 0048331196 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 412 Maple Ave was $1,067, down 9% from the year before.
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 | $1,067.00 (-9.04%) Homeowner's exemption | $109,594 | $167,920 Land $28,298 Building $139,622 |
| 2024 | $1,173.00 (-10.05%) | ||
| 2023 | $1,304.00 (+3.08%) Homeowner's exemption | $103,403 (+3%) | $156,192 (+12.25%) Land $22,050 Building $134,142 |
| 2022 | $1,265.00 Homeowner's exemption | $100,391 | $139,149 Land $16,537 Building $122,612 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 Maple Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| 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 412 Maple Ave is low, with less than a 0.01% annual chance of wildfire.
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 | Under 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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