725 Maple Ave, Panama City, FL 32401 Property Records

Bay County property record for 725 Maple Ave, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,129 sqft · built 2008
Lot Size	0.413 acres (17,990 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,306 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16309-000-000`

Property Details

APN / Parcel Number

Primary APN	`16309-000-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,129 sqft Living Area
Gross Area	2,613 sqft
1st Floor Area	2,129 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,990 sqft (0.413 acres)
Lot Dimensions	120 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	798 sqft
Porch	Unfinished Open Porch
Porch Area	213 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	725 MAPLE AVE
City	PANAMA CITY
State	FL
Zip	32401-4670
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	PINE ORCHARD HTS. 2ND ADD. LOTS 11,12,13 BLK B ORB 283 P 52 MAP 105A3 ORB 2403 P 1010 ORB 2487 P 2045 ORB 2886 P 1393
Legal Range	14W
Legal Township	04S
Legal Section	03
Legal Subdivision	PINE ORCHARD HTS. 2ND ADD
Legal Block	B
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2039
Census Tract	1700

Owner

725 Maple Ave is owned and occupied by two individuals who acquired it in January 2007.

Source: Bay County records, as of January 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	725 MAPLE AVE, PANAMA CITY, FL 32401-4670
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 16, 2007
Transfer Doc	0028861393
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	725 MAPLE AVE, PANAMA CITY, FL 32401-4670
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	SETCO SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 MAPLE AVE, PANAMA CITY, FL 32401-4670

Mortgage

Document Number	0043660296
Date	Feb 22, 2021
Book Page	4366/296
Instrument	2021012300

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 725 Maple Ave was $2,306 with exemptions applied, down 6% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,306.00 (-5.95%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$193,042	$227,121 Land $40,455 Building $186,666
2024	$2,452.00 (-6.52%)
2023	$2,623.00 (+4.63%) Homeowner's exemption	$182,138 (+3%)	$209,308 (+10.77%) Land $31,387 Building $177,921
2022	$2,507.00 Homeowner's exemption	$176,833	$188,951 Land $26,644 Building $162,307

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

Flood

FEMA maps place 725 Maple Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.

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.

Wildfire

Wildfire risk around 725 Maple Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

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