424 Harrison Ave, Panama City, FL 32401 Property Records

Bay County property record for 424 Harrison Ave, Panama City, FL 32401

Property Summary

Property Type	Retail Store
Details	960 sqft · built 1932
Lot Size	0.03 acres (1,306 sqft)
Owner	Company Name on Record
Last Sale	$85,000 (Mar 2017)
Tax Bill	$2,200 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Mar 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19555-010-000`

Property Details

APN / Parcel Number

Primary APN	`19555-010-000`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	960 sqft
Flooring	Cork
Interior Walls	Paneling

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1983
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	1,306 sqft (0.03 acres)
Lot Dimensions	82 ft deep x 16 ft wide
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	424 HARRISON AVE
City	PANAMA CITY
State	FL
Zip	32401-2732
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC10
Legal Description	GULF COAST DEV CO PLAT N 16.15 OF W 82.5 OF LOT 12 BLK 2 ORB 4830 P 319
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GULF COAST DEV CO PLAT
Legal Block	2
Legal Lot Number	12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1060
Census Tract	2000

Owner

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	Company Name on Record
Mailing Address	430 S PALO ALTO AVE, PANAMA CITY, FL 32401-3976
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2025	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU
Mar 28, 2025	Quit Claim Deed, Transfer Quitclaim
Aug 12, 2024	Intrafamily Transfer, Transfer
Mar 8, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Mar 8, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2017 · Amount on Record
Deed Sale	Mar 8, 2017 · Amount on Record
Prior Sale	Oct 1, 2016 · Amount on Record
Deed Document Number	201712598
Deed Book / Page	3880 / 122
Last Transfer Date	Aug 12, 2024
Transfer Doc	0048300319
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	424 HARRISON AVE, PANAMA CITY, FL 32401-2732
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 HARRISON AVE, PANAMA CITY, FL 32401-2732

Mortgage

Document Number	0049252037
Date	Jun 25, 2025
Book Page	4925/2037
Instrument	2025035407

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 24, 2040

March 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 28, 2025
Property Address	424 HARRISON AVE, PANAMA CITY, FL 32401-2732
Document Number	0048972278
Book / Page	4897 / 2278
Map Reference	MB 4 PG 1
Instrument Date	Mar 28, 2025
Instrument	2025017115
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 S PALO ALTO AVE, PANAMA CITY, FL 32401-3976

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 S PALO ALTO AVE, PANAMA CITY, FL 32401-3976

August 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Aug 12, 2024
Property Address	424 HARRISON AVE, PANAMA CITY, FL 32401-2732
Document Number	0048300319
Book / Page	4830 / 319
Map Reference	MB 4 PG 1
Instrument Date	Aug 12, 2024
Instrument	2024047489
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 HARRISON AVE, PANAMA CITY, FL 32401-2732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 HARRISON AVE, PANAMA CITY, FL 32401-2732
Investor	Possibly a Property Investor

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 8, 2017
Property Address	424 HARRISON AVE, PANAMA CITY, FL 32401-2732
Document Number	0038800120
Book / Page	003880 / 000120
Instrument Date	Mar 7, 2017
Instrument	12597
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2701 W 21ST ST PANAMA CITY FL 324052431, PANAMA CITY, FL 32405-2431

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 8, 2017
Property Address	424 HARRISON AVE, PANAMA CITY, FL 32401-2732
Document Number	0038800122
Book / Page	003880 / 000122
Instrument Date	Mar 6, 2017
Instrument	12598
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	424 FLARRISON AVE PANAMA CITY BEACH FL 32401, PANAMA CITY BEACH, FL 32401

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,200.00 (+34.72%)	$117,106 (-0.05%) Land $37,884 Building $79,222	$117,106 (-0.05%) Land $37,884 Building $79,222
2024	$1,633.00 (-11.11%)
2023	$1,837.00 (+12.63%)	$117,167 (+16.17%) Land $34,440 Building $82,727	$117,167 (+16.17%) Land $34,440 Building $82,727
2022	$1,631.00	$100,856 Land $25,190 Building $75,666	$100,856 Land $25,190 Building $75,666

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record median of 47 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	93 (1984–2020)
Claims Outside the SFHA	64 of 93
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 23 claims Hurricane Dennis, Jul 2005 · 6 claims Hurricane Opal, Oct 1995 · 39 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon, WOW Internet, Cable & Phone.

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