Bay County property record for 732 Harmon Ave, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 1.5 ba · 1,540 sqft · built 1932 |
| Lot Size | 0.482 acres (20,996 sqft) |
| Owner | Company Name on Record |
| Last Sale | $150,000 (Nov 2020) |
| Deeds & Mortgages | Nov 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 16709-000-000 |
| Primary APN | 16709-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Stories | 1 Story |
| Building Area | 1,540 sqft |
| 1st Floor Area | 1,540 sqft |
| Year Built | Built 1932 |
|---|---|
| Exterior Material | Vinyl |
| Lot Area | 20,996 sqft (0.482 acres) |
| Lot Dimensions | 140 ft deep x 150 ft wide |
| Porch | Porch |
| Porch Area | 295 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 732 HARMON AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2906 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PC04 |
| Legal Description | 4 4S 14W -249- 69A BEG 150' S & 20' E OF NW COR OF SE1/4 OF SW1/4 OF SW1/4 TH E 140' S |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 1600 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 501 HARRISON AVE # 130, 130, PANAMA CITY, FL 32401-2621 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2020 · Amount on Record |
| Deed Sale | Nov 2, 2020 · Amount on Record |
| Prior Sale | Dec 11, 2001 |
| Deed Document Number | 2020073280 |
| Deed Book / Page | 4318 / 1209 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 2, 2020 |
| Property Address | 732 HARMON AVE, PANAMA CITY, FL 32401-2906 |
| Document Number | 0043181209 |
| Book / Page | 004318 / 001209 |
| Instrument Date | Oct 27, 2020 |
| Instrument | 73280 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,050.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 501 HARRISON AVE PANAMA CITY FL 324012621, PANAMA CITY, FL 32401-2621 |
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 | Additional exemption filed | $47,040 (+6.67%) Land $47,040 | $47,040 (+6.67%) Land $47,040 |
| 2024 | Additional exemption filed | $44,100 (+11.11%) Land $44,100 | $44,100 (+11.11%) Land $44,100 |
| 2023 | Additional exemption filed | $39,690 Land $39,690 | $39,690 Land $39,690 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 | 9 (2008–2023) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| 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.
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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 336 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 | 1,000 / 75 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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