502 Harmon Ave, Panama City, FL 32401 Property Records

Bay County property record for 502 Harmon Ave, Panama City, FL 32401

Property Summary

Property Type	Commercial Office
Details	2,940 sqft · built 1991
Lot Size	0.247 acres (10,759 sqft)
Owner	Company Name on Record
Last Sale	$1,290,000 (May 2003)
Tax Bill	$3,406 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`19784-005-010`

Property Details

APN / Parcel Number

Primary APN	`19784-005-010`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,940 sqft Gross Area
1st Floor Area	2,940 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,759 sqft (0.247 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Porch	Finished/Open Porch
Porch Area	636 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	502 HARMON AVE
City	PANAMA CITY
State	FL
Zip	32401-3044
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC10
Legal Description	GULF COAST DEV CO PLAT LOTS 1,2, & 3 BLK 23 LESS & EXCEPT: COM AT SW COR OF LOT 1 TH E 52.6 FOR POB TH N 7.6 E 30 S 7.6 W 30 TO POB ORB 3501 P 2350
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GULF COAST DEV CO PLAT
Legal Block	23
Legal Lot Number	1,2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1050
Census Tract	2000

Owner

Source: Bay County records, as of April 13, 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	502 HARMON AVE, PANAMA CITY, FL 32401-3044
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2003 · Amount on Record
Deed Sale	May 30, 2003 · Amount on Record
Deed Document Number	200338027
Deed Book / Page	2285 / 1604
Last Transfer Date	Apr 16, 2013
Transfer Doc	0000021797
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	502 HARMON AVE, PANAMA CITY, FL 32401-3044
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049831048
Date	Dec 12, 2025
Book Page	4983/1048
Instrument	2025072878

Lender

Name	MIDSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$3,406.00 (-9.39%)	$181,270 (+0.66%) Land $64,800 Building $116,470	$181,270 (+0.66%) Land $64,800 Building $116,470
2024	$3,759.00 (-1.31%)
2023	$3,809.00 (+8.27%)	$180,085 (+4.51%) Land $56,376 Building $123,709	$180,085 (+4.51%) Land $56,376 Building $123,709
2022	$3,518.00	$172,309 Land $48,600 Building $123,709	$172,309 Land $48,600 Building $123,709

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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.

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 271 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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