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626 Seneca Ave, Panama City, FL 32404 Property Records

Bay County property record for 626 Seneca Ave, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,080 sqft · built 2012
Lot Size0.454 acres (19,776 sqft)
Owner2 Individual Names on File
Last Sale$225,000 (Sep 2023)
Tax Bill$2,740 (2025)
Deeds & MortgagesNov 2023 Transfer
Sep 2023 Sale
+ 6 more
Flood ZoneZone X (minimal risk)
APN24374-000-000

Property Details

APN / Parcel Number

Primary APN24374-000-000
Alternative APN
  • 6009800

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,080 sqft Living Area
1st Floor Area1,080 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialOther
Lot Area19,776 sqft (0.454 acres)
Lot Dimensions275 ft deep x 72 ft wide
DrivewayDriveway
Driveway Area168 sqft
PorchOpen Porch
Porch Area503 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address626 SENECA AVE
CityPANAMA CITY
StateFL
Zip32404-6054
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCLWY18
Legal Description12 4S 14W -63- 118D1 ST AND BAY DEV CO PLAT COM AT THE NE COR OF SEC TH RUN W 1320.71 TH S 151.75 TH E 56.84 TO POB TH CONT E 218. 46 TH S 73.22 W 222.51 TH N 75 TO POB ORB 4727 P 44 ORB 4749 P 294
Legal Range14W
Legal Township04S
Legal Section12
Legal SubdivisionST AND BAY DEV CO PLAT
Legal Lot Number2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1002
Census Tract803

Owner

626 Seneca Ave is owned by two individuals who acquired it in November 2023.

Source: Bay County records, as of March 6, 2026

Owner of Record2 Individual Names on File
Mailing Address6336 AMMONS LN, YOUNGSTOWN, FL 32466-2102
Owner TypeIndividual
VestingLife Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 14, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Sep 1, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 31, 2022Warranty Deed, Transfer · Balloon Mortgage
FLOYD SKINNER
Apr 23, 2020Deed of Trust, Mortgage · Line of Credit
REGIONS BANK
Jan 31, 2022Warranty Deed, Transfer
MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Jan 31, 2022Warranty Deed, Transfer
MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Dec 9, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Jan 31, 2022Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 1, 2023 · Amount on File
Deed SaleSep 1, 2023 · Amount on File
Prior SaleJan 31, 2022 · Amount on File
Deed Document Number202356146
Deed Book / Page4727 / 44
Last Transfer DateNov 13, 2023
Transfer Doc0047490294
Record UpdatedSep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateNov 14, 2023
Property Address626 SENECA AVE, PANAMA CITY, FL 32404-6054
Document Number0047490294
Book / Page4749 / 294
Instrument DateNov 13, 2023
Instrument2023071568
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6336 AMMONS LN, YOUNGSTOWN, FL 32466-2102

Transferred To (Grantee/Buyer)

NameVerified Name
Address6336 AMMONS LN, YOUNGSTOWN, FL 32466-2102

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 1, 2023
Property Address626 SENECA AVE, PANAMA CITY, FL 32404-6054
Document Number0047270044
Book / Page4727 / 44
Instrument DateSep 1, 2023
Instrument2023056146
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$1,575.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2705 WOODMERE DR, PANAMA CITY, FL 32405-4377

Transferred To (Grantee/Buyer)

NameVerified Name
Address6336 AMMONS LN, YOUNGSTOWN, FL 32466-2102

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 31, 2022
Property Address626 SENECA AVE, PANAMA CITY, FL 32404-6054
Document Number0045171607
Book / Page4517 / 1607
Instrument DateJan 28, 2022
Instrument2022007043
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,204.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address624 SENECA AVE, PANAMA CITY, FL 32404-6054

Transferred To (Grantee/Buyer)

NameVerified Name
Address2705 WOODMERE DR, PANAMA CITY, FL 32405-4377

Mortgage

Document Number0045171609
DateJan 31, 2022
Instrument4517/1609
Lender
NameFLOYD SKINNER
TypePrivate Party
Agreement
TypeBalloon Mortgage
AmountAmount on Record
Term85 Months
DueFeb 1, 2029

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address626 SENECA AVE, PANAMA CITY, FL 32404-6054
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0042450579
DateApr 23, 2020
Book Page4245/579
Instrument2020027560
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35211
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 31, 2022
Property Address626 SENECA AVE, PANAMA CITY, FL 32404-6054
Document Number0045171605
Book / Page4517 / 1605
Instrument DateJan 17, 2021
Instrument2022007042
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address624 SENECA AVE, PANAMA CITY, FL 32404-6054

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 31, 2022
Property Address626 SENECA AVE, PANAMA CITY, FL 32404-6054
Document Number0045171603
Book / Page4517 / 1603
Instrument DateJan 13, 2021
Instrument2022007041
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address624 SENECA AVE, PANAMA CITY, FL 32404-6054

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateDec 9, 2019
Property Address626 SENECA AVE, PANAMA CITY, FL 32404-6054
Document Number0041990296
Book / Page004199 / 000296
Instrument DateDec 9, 2019
Instrument104461
Transaction TypeTransfer
Record UpdatedDec 27, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address624 SENECA AVE PANAMA CITY FL 324046054, PANAMA CITY, FL 32404-6054

January 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJan 31, 2022
Property Address626 SENECA AVE, PANAMA CITY, FL 32404-6054
Document Number0045171595
Book / Page4517 / 1595
Instrument DateJun 26, 2014
Instrument2022007037
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address626 SENECA AVE, PANAMA CITY, FL 32404-6054

Tax Assessment & Valuation

The 2025 property tax bill for 626 Seneca Ave was $2,740, up 6.9% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityCallaway City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,740.00 (+6.86%)$200,148 Land $32,951 Building $167,197$200,148 Land $32,951 Building $167,197
2024$2,564.00 (+16.55%)
2023$2,200.00 (+45.89%)$158,403 (+35.65%) Land $51,668 Building $106,735$158,403 (+35.65%) Land $51,668 Building $106,735
2022$1,508.00$116,771 Land $43,324 Building $73,447$116,771 Land $43,324 Building $73,447

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

Flood

FEMA maps place 626 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 19 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims5 (2008–2021)
Claims Outside the SFHA5 of 5
Most Recent ClaimOct 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

Wildfire risk around 626 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 RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCALLAWAY, CITY OF WATER SYSTEM
serves 20,520 people · EPA ID FL1030141
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionMay 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 167 locations within half a mile, as of December 31, 2025

ProviderMax 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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