Bay County property record for 540 Seneca Ave, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,088 sqft · built 2005 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $818 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 24391-010-000 |
| Primary APN | 24391-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,473 sqft (0.47 acres) |
| Lot Dimensions | 205 ft deep x 100 ft wide |
| Porch | Screened Porch |
| Porch Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 540 SENECA AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-6029 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | CLWY18 |
| Legal Description | 12 4S 14W -78.5- 118D1 ST AND BAY DEV CO PLAT BEG NW COR LOT 18 TH E 205 S 100 W 205 N 100 TO POB ORB 1407 P 1207 ORB 1456 P 732 ORB 2317 P 402 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 12 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Legal Lot Number | 18 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 803 |
540 Seneca Ave, a mobile home, is owned by two individuals who acquired it in August 2007.
Source: Bay County records, as of January 5, 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 | 616 LIVE OAK LN, PANAMA CITY BEACH, FL 32408-5223 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 2, 2007 |
| Transfer Doc | 0029561760 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $818.00 (+11.29%) | $58,936 (+1%) | $61,099 (+14.04%) Land $43,740 Building $17,359 |
| 2024 | $735.00 (+15.75%) | $53,578 (+16.15%) Land $37,260 Building $16,318 | $53,578 (+16.15%) Land $37,260 Building $16,318 |
| 2023 | $635.00 (+19.14%) | $46,130 (+11.6%) Land $34,776 Building $11,354 | $46,130 (+11.6%) Land $34,776 Building $11,354 |
| 2022 | $533.00 | $41,335 Land $29,160 Building $12,175 | $41,335 Land $29,160 Building $12,175 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 Seneca 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 19 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 5 (2008–2021) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
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 540 Seneca Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 167 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 · Fiber in parts of the area | 100 / 20 |
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