Bay County property record for 610 Oak Ave, Panama City, FL 32401
| Property Type | Commercial Vacant Land |
|---|---|
| Details | 3,120 sqft · built 1946 |
| Lot Size | 0.169 acres (7,362 sqft) |
| Owner | Individual Name on File |
| Last Sale | $31,000 (Nov 1994) |
| Tax Bill | $580 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20079-000-000 |
| Primary APN | 20079-000-000 |
|---|
| Total Rooms | 3 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 3,120 sqft |
| 1st Floor Area | 3,020 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1946 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 7,362 sqft (0.169 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 610 OAK AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2642 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Local Zoning Code | PC10 |
| Legal Description | THOMPSON RESUB OF BLK 17 LOTS 5, 6 & N 33' LOTS 1, 2 & 3 BLK 17 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | G B THOMPSON |
| Legal Block | 17 |
| Legal Lot Number | 1-3,5,6 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 2000 |
610 Oak Ave, commercial vacant land, is owned by an individual who bought it in November 1994.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2810 FRANKFORD AVE, PANAMA CITY, FL 32405-2832 |
| Owner Type | Individual |
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 | Name on Deed |
|---|---|
| Last Sale | Nov 28, 1994 · Amount on File |
| Deed Sale | Nov 28, 1994 · Amount on File |
| Deed Document Number | 0001536708 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 610 Oak Ave was $580.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $580.00 | $39,058 Land $36,808 Building $2,250 | $39,058 Land $36,808 Building $2,250 |
| 2023 | $724.00 (+13.3%) | $39,058 (+23.23%) Land $36,808 Building $2,250 | $39,058 (+23.23%) Land $36,808 Building $2,250 |
| 2022 | $639.00 | $31,696 Land $29,446 Building $2,250 | $31,696 Land $29,446 Building $2,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 610 Oak 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 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 |
|
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.
The area around 610 Oak Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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