Bay County property record for 630 Seneca Ave, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,311 sqft · built 2007 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,500 (May 2026) |
| Tax Bill | $2,117 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24376-010-000 |
| Primary APN | 24376-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,311 sqft Living Area |
| Gross Area | 1,751 sqft |
| 1st Floor Area | 1,311 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Dimensions | 104 ft deep x 58 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 750 sqft |
| Porch | Open Porch |
| Porch Area | 249 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 630 SENECA AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-6054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CLWY18 |
| Legal Description | 12 4S 14W ST A B DEV CO PLAT -65.1- 118D1 COM AT NW COR OF LOT 2 TH S 152.75 E 56.21 FOR POB TH E 104 N 58 W 104 S 58 TO POB ORB 3714 P 1284 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 12 |
| Legal Subdivision | ST A B DEV CO PLAT |
| Legal Lot Number | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 803 |
630 Seneca Ave is owned by an individual who bought it in May 2026.
Source: Bay County records, as of June 23, 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 | Individual Name on File |
|---|---|
| Mailing Address | 2785 NORTHGATE WAY NW, ACWORTH, GA 30101-3461 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| May 28, 2026 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE |
| May 28, 2026 | Warranty Deed, Transfer · FHA Mortgage PROVIDENT MORTGAGE CORPORATION |
| Dec 8, 2025 | Warranty Deed, Transfer · Line of Credit NATIONAL LOAN FUNDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on File |
| Deed Sale | May 28, 2026 · Amount on File |
| Prior Sale | Dec 8, 2025 · Amount on File |
| Deed Document Number | 202631877 |
| Deed Book / Page | 5038 / 2296 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 28, 2026 |
| Property Address | 630 SENECA AVE, PANAMA CITY, FL 32404-6054 |
| Document Number | 0050382296 |
| Book / Page | 5038 / 2296 |
| Instrument Date | May 22, 2026 |
| Instrument | 202631877 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | CLEAR TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $211,746.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2785 NORTHGATE WAY NW, ACWORTH, GA 30101-3461 |
| Document Number | 0000031878, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202631878 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000031879, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 5038/2313 |
| Instrument | 202631879 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 28, 2026 |
| Property Address | 630 SENECA AVE, PANAMA CITY, FL 32404-6054 |
| Document Number | 0000031877 |
| Book / Page | 5038 / 2296 |
| Instrument Date | May 22, 2026 |
| Instrument | 202631877 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Title Company | CLEAR TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $211,746.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2785 NORTHGATE WAY NW, ACWORTH, GA 30101-3461 |
| Document Number | 0000031878, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202631878 |
| Name | PROVIDENT MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000031879, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 5038/2313 |
| Instrument | 202631879 |
| Name | PROVIDENT MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Jun 1, 2036 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 8, 2025 |
| Property Address | 630 SENECA AVE, PANAMA CITY, FL 32404-6054 |
| Document Number | 0049810177 |
| Book / Page | 4981 / 177 |
| Instrument Date | Dec 3, 2025 |
| Instrument | 2025071266 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 41 LINWOOD RD NW, FORT WALTON BEACH, FL 32547-1632 |
| Name | Verified Name |
|---|---|
| Address | 2210 VILLAGE CT, BRANDON, FL 33511-7018 |
| Document Number | 0004981179 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 4981/179 |
| Name | NATIONAL LOAN FUNDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
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 | $2,117.00 (+8.68%) | $154,471 (+6.91%) | $154,911 (+7.22%) Land $20,436 Building $134,475 |
| 2024 | $1,948.00 (+9.68%) | $144,482 (+12.65%) Land $17,408 Building $127,074 | $144,482 (+12.65%) Land $17,408 Building $127,074 |
| 2023 | $1,776.00 (+18.48%) | $128,262 (+10.52%) Land $16,248 Building $112,014 | $128,262 (+10.52%) Land $16,248 Building $112,014 |
| 2022 | $1,499.00 | $116,056 Land $13,624 Building $102,432 | $116,056 Land $13,624 Building $102,432 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 630 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 630 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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