425 Grace Ave, Panama City, FL 32401 Property Records

Bay County property record for 425 Grace Ave, Panama City, FL 32401

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	17,167 sqft · built 1938
Lot Size	0.257 acres (11,195 sqft)
Owner	Company Name on Record
Last Sale	$80,000 (Mar 2019)
Tax Bill	$4,096 (2025)
Deeds & Mortgages	Mar 2019 Sale Apr 2018 Loan Modification
Flood Zone	Zone X (moderate risk)
APN	`19587-000-000`

Property Details

APN / Parcel Number

Primary APN	`19587-000-000`

Interior

Total Rooms	10 Rooms
Stories	2 Stories
Building Area	17,167 sqft Total Area
1st Floor Area	9,896 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1938
Exterior Material	Metal
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Porch	Porch
Porch Area	159 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	425 GRACE AVE
City	PANAMA CITY
State	FL
Zip	32401-2721
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	PC10
Legal Description	G C D PLAT LOTS 9 & 10 BLK 4 ORB 4099 P 85
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GULF COAST DEV CO
Legal Block	4
Legal Lot Number	9,10 10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1063
Census Tract	2000

Owner

Source: Bay County records, as of January 23, 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	425 GRACE AVE, PANAMA CITY, FL 32401-2721
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Apr 18, 2018	Loan Modification, Mortgage TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2019 · Amount on Record
Deed Sale	Mar 8, 2019 · Amount on Record
Deed Document Number	0000409985
Deed Book / Page	4099 / 85
Record Updated	Jun 8, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 8, 2019
Property Address	425 GRACE AVE, PANAMA CITY, FL 32401-2721
Document Number	0040990085
Book / Page	004099 / 000085
Instrument Date	Mar 8, 2019
Instrument	25770
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	425 GRACE AVE PANAMA CITY FL 324012721, PANAMA CITY, FL 32401-2721

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	425 GRACE AVE, PANAMA CITY, FL 32401-2721
Document Number	0040070074
Instrument Date	Apr 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	425-443 GRACE AVE PANAMA CITY BEACH FL 324012721, PANAMA CITY BEACH, FL 32401-2721

Mortgage

Document Number	0040070074
Date	May 10, 2018
Book Page	004007/000074
Instrument	27844

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY BEACH, FL 32401

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 9, 2023

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$4,096.00 (-29.46%)	$217,967 (-0.01%) Land $89,600 Building $128,367	$217,967 (-0.01%) Land $89,600 Building $128,367
2024	$5,807.00 (+28.05%)	$217,978 (-) Land $89,600 Building $128,378	$217,978 (-) Land $89,600 Building $128,378
2023	$4,535.00 (+10.31%)	$217,978 (+5.8%) Land $89,600 Building $128,378	$217,978 (+5.8%) Land $89,600 Building $128,378
2022	$4,111.00	$206,023 Land $77,280 Building $128,743	$206,023 Land $77,280 Building $128,743

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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.

Nearby Properties on Grace Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures