Bay County property record for 792 Cedar Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,831 sqft · built 1995 |
| Lot Size | 0.274 acres (11,935 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,213 (2025) |
| Deeds & Mortgages | Oct 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 16304-010-000 |
| Primary APN | 16304-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,831 sqft Living Area |
| 1st Floor Area | 1,831 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,935 sqft (0.274 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 792 CEDAR AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | PINE ORCHARD HTS 2ND ADD LOTS 6 & 7 BLK B ORB 3338 P 2098 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | ORCHARD HTS 2ND ADD |
| Legal Block | B |
| Legal Lot Number | 6,7 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 1700 |
792 Cedar Ave is owned and occupied by an individual who acquired it in October 2021.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 790 CEDAR AVE, PANAMA CITY, FL 32401-4636 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 8, 2021 |
| Transfer Doc | 0044751931 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 20, 2021 |
| Property Address | 792 CEDAR AVE, PANAMA CITY, FL 32401-4636 |
| Document Number | 0044751931 |
| Book / Page | 4475 / 1931 |
| Map Reference | MB 3 PG 2 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021080424 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3778 HETTEN LN, WOODBRIDGE, VA 22193-1047 |
The 2025 property tax bill for 792 Cedar Ave was $1,213 with a homeowner's exemption, down 7.8% from the year before.
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 | $1,213.00 (-7.83%) Homeowner's exemption | $118,887 (+2.9%) | $144,304 (+7.44%) Land $26,970 Building $117,334 |
| 2024 | $1,316.00 (-6.67%) Homeowner's exemption | $115,536 (+3%) | $134,313 (+1.3%) Land $23,714 Building $110,599 |
| 2023 | $1,410.00 (+1.37%) Homeowner's exemption | $112,171 (+3%) | $132,586 (+11.18%) Land $20,924 Building $111,662 |
| 2022 | $1,391.00 Homeowner's exemption | $108,904 | $119,253 Land $17,762 Building $101,491 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 792 Cedar 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 risk around 792 Cedar 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.
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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