Bay County property record for 710 Williams Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,080 sqft · built 1952 |
| Lot Size | 0.187 acres (8,145 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Sep 2024) |
| Tax Bill | $1,729 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2022 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16163-000-000 |
| Primary APN | 16163-000-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,145 sqft (0.187 acres) |
| Lot Dimensions | 120 ft deep x 68 ft wide |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 710 WILLIAMS AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD1 |
| Legal Description | 1ST ADD TO OLD ORCHARD LOT 8 BLK 2 ORB 4843 P 1148 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | 1ST ADD TO OLD ORCHARD |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 1700 |
Source: Bay County records, as of January 20, 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 | 710 WILLIAMS AVE, PANAMA CITY, FL 32401-4226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Apr 26, 2024 | Deed of Trust, Mortgage · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Jul 7, 2022 | Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU |
| Oct 8, 2021 | Warranty Deed, Transfer NOT AVAILABLE, OMEGA TITLE FLORIDA LLC |
| Aug 9, 2021 | Deed of Distribution, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 24, 2021 | Intrafamily Transfer, Transfer |
| Feb 24, 2021 | Intrafamily Transfer, Transfer |
| Apr 19, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2024 · Amount on File |
| Deed Sale | Sep 23, 2024 · Amount on File |
| Prior Sale | Oct 8, 2021 · Amount on File |
| Deed Document Number | 202456219 |
| Deed Book / Page | 4843 / 1148 |
| Prior Transfer Date | Aug 3, 2021 |
| Prior Transfer Doc | 0044442382 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 710 WILLIAMS AVE, PANAMA CITY, FL 32401-4226 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0047960758 |
|---|---|
| Date | Apr 26, 2024 |
| Book Page | 4796/758 |
| Instrument | 2024024480 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32540 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 710 WILLIAMS AVE, PANAMA CITY, FL 32401-4226 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0045850947 |
|---|---|
| Date | Jul 7, 2022 |
| Book Page | 4585/947 |
| Instrument | 2022050757 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32406 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 8, 2021 |
| Property Address | 710 WILLIAMS AVE, PANAMA CITY, FL 32401-4226 |
| Document Number | 0044710348 |
| Book / Page | 4471 / 348 |
| Map Reference | MB 8 PG 1 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 2021077452 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2023 |
| Title Company | NOT AVAILABLE, OMEGA TITLE FLORIDA LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $455.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2107 WHITLEY RD, MIDDLESEX, NC 27557-8949 |
| Name | Verified Name |
|---|---|
| Address | 630 SW 100TH TER, PEMBROKE PINES, FL 33025-1004 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 9, 2021 |
| Property Address | 710 WILLIAMS AVE, PANAMA CITY, FL 32401-4226 |
| Document Number | 0044442382 |
| Book / Page | 4444 / 2382 |
| Map Reference | MB 8 PG 1 |
| Instrument Date | Aug 3, 2021 |
| Instrument | 2021060953 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2107 WHITLEY RD, MIDDLESEX, NC 27557-8949 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 24, 2021 |
| Property Address | 710 WILLIAMS AVE, PANAMA CITY, FL 32401-4226 |
| Document Number | 0043670176 |
| Book / Page | 4367 / 176 |
| Instrument Date | Jan 27, 2020 |
| Instrument | 2021012924 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 147 SENECA AVE, PANAMA CITY, FL 32404-6358 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 24, 2021 |
| Property Address | 710 WILLIAMS AVE, PANAMA CITY, FL 32401-4226 |
| Document Number | 0043670182 |
| Book / Page | 4367 / 182 |
| Map Reference | MB 3363 PG 381 |
| Instrument Date | Jan 27, 2019 |
| Instrument | 2021012926 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 147 SENECA AVE, PANAMA CITY, FL 32404-6358 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 19, 2018 |
| Property Address | 710 WILLIAMS AVE, PANAMA CITY, FL 32401-4226 |
| Document Number | 0040001037 |
| Book / Page | 004000 / 001037 |
| Instrument Date | Apr 3, 2018 |
| Instrument | 23383 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 147 SENECA AVE PANAMA CITY FL 324046358, PANAMA CITY, FL 32404-6358 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,729.00 (+27.7%) Homeowner's exemption | $151,514 (+148.42%) Land $19,225 Building $132,289 | $151,514 (+148.42%) Land $19,225 Building $132,289 |
| 2024 | $1,354.00 (+9.99%) | ||
| 2023 | $1,231.00 (+12.42%) | $60,991 (+10.83%) Land $16,442 Building $44,549 | $60,991 (+10.83%) Land $16,442 Building $44,549 |
| 2022 | $1,095.00 | $55,033 Land $14,545 Building $40,488 | $55,033 Land $14,545 Building $40,488 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 4 (1983–2018) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
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.
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 322 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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