809 State Ave, Panama City, FL 32401 Property Records

Bay County property record for 809 State Ave, Panama City, FL 32401

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 1,398 sqft · built 1936
Lot Size	0.143 acres (6,229 sqft)
Owner	Company Name on File
Last Sale	$157,000 (Jan 2021)
Tax Bill	$3,294 (2025)
Deeds & Mortgages	Jan 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`18274-000-000`

Property Details

APN / Parcel Number

Primary APN	`18274-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,398 sqft Living Area
1st Floor Area	1,398 sqft
Flooring	Tile
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 2016
Architectural Style	Multi-Family
Exterior Material	Shingles
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Driveway	Driveway
Porch	Open Porch
Porch Area	336 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	809 STATE AVE
City	PANAMA CITY
State	FL
Zip	32401-2357
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	PC01
Legal Description	HARRIS 1ST ADD. LOT 5 BLK A ORB 4351 P 1759 MAP 92A3
Legal Range	14W
Legal Township	04S
Legal Section	05
Legal Subdivision	HARRIS 1ST ADD
Legal Block	A
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2016
Census Tract	2200

Owner

809 State Ave, a residential property, is owned by a company that bought it in January 2021.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	2446 PRETTY BAYOU BLVD, PANAMA CITY, FL 32405-1747
Owner Type	Company
Vesting	Limited Liability Company

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	Name on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Mar 14, 2007 · Amount on File
Deed Document Number	20213567
Deed Book / Page	4351 / 1759
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 15, 2021
Property Address	809 STATE AVE, PANAMA CITY, FL 32401-2357
Document Number	0043511759
Book / Page	4351 / 1759
Instrument Date	Jan 13, 2021
Instrument	2021003567
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,099.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2446 PRETTY BAYOU BLVD, PANAMA CITY, FL 32405-1747

Mortgage

Document Number	0043511761
Date	Jan 15, 2021
Instrument	4351/1761

Lender

Name	INNOVATIONS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 13, 2036

Interest

Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 809 State Ave was $3,294, down 11.3% 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	$3,294.00 (-11.31%)	$207,281	$211,204 Land $30,503 Building $180,701
2024	$3,714.00 (+17.94%)
2023	$3,149.00 (+22.39%)	$171,564 (+10.17%) Land $25,286 Building $146,278	$171,564 (+10.17%) Land $25,286 Building $146,278
2022	$2,573.00	$155,733 Land $20,680 Building $135,053	$155,733 Land $20,680 Building $135,053

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

Flood

FEMA maps place 809 State Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 units insured incl. 8 condo units
Nearby Flood Claims	29 (1988–2020)
Claims Outside the SFHA	16 of 29
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 8 claims Hurricane Opal, Oct 1995 · 6 claims

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 809 State Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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.

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 302 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20