Bay County property record for 802 Cedar Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 2021 |
| Lot Size | 0.142 acres (6,229 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $164,500 (Jan 2022) |
| Tax Bill | $1,685 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Dec 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 16324-000-000 |
| Primary APN | 16324-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Heated Area |
| Gross Area | 1,346 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,229 sqft (0.142 acres) |
| Lot Dimensions | 120 ft deep x 52 ft wide |
| Driveway | Driveway |
| Driveway Area | 480 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 802 CEDAR AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | PINE ORCHARD HTS. 2ND ADD. LOT 2 BLK E ORB 4513 P 6 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Legal Subdivision | ND ADD |
| Legal Block | E |
| Legal Lot Number | 2 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 1700 |
Source: Bay County records, as of January 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 Record |
|---|---|
| Mailing Address | 802 CEDAR AVE, PANAMA CITY, FL 32401-4638 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage BAY COUNTY FLORIDA INC |
| Dec 10, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2022 · Amount on Record |
| Deed Sale | Jan 19, 2022 · Amount on Record |
| Prior Sale | Dec 10, 2019 · Amount on Record |
| Deed Document Number | 2022004186 |
| Deed Book / Page | 4513 / 6 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 19, 2022 |
| Property Address | 802 CEDAR AVE, PANAMA CITY, FL 32401-4638 |
| Document Number | 0045130006 |
| Book / Page | 4513 / 6 |
| Map Reference | MB 3 PG 2 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 2022004186 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,151.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 408, PANAMA CITY, FL 32402-0408 |
| Name | Verified Name |
|---|---|
| Address | 802 CEDAR AVE, PANAMA CITY, FL 32401-4638 |
| Document Number | 0000045138 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 4513/8 |
| Name | BAY COUNTY FLORIDA INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0045130011 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 4513/11 |
| Instrument | 2022004188 |
| Name | CITY OF PANAMA CITY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 802 CEDAR AVE, PANAMA CITY, FL 32401-4638 |
| Document Number | 0041991533 |
| Book / Page | 004199 / 001533 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 104848 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $525.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 408 PANAMA CITY FL 324020408, PANAMA CITY, FL 32402-0408 |
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 | $1,685.00 (-19.61%) Homeowner's exemption | $148,762 (-1.99%) Land $14,024 Building $134,738 | $148,762 (-1.99%) Land $14,024 Building $134,738 |
| 2023 | $2,096.00 (+912.56%) Homeowner's exemption | $151,782 (+59.94%) Land $10,881 Building $140,901 | $151,782 (+59.94%) Land $10,881 Building $140,901 |
| 2022 | $207.00 Additional exemption filed | $94,898 Land $9,236 Building $85,662 | $94,898 Land $9,236 Building $85,662 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 266 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 |
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