8921 Ruff Rd, Youngstown, FL 32466 Property Records

Bay County property record for 8921 Ruff Rd, Youngstown, FL 32466

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,064 sqft · built 1987
Lot Size	1.46 acres (63,685 sqft)
Owner	Individual Name on Record
Last Sale	$62,000 (Jul 2007)
Tax Bill	$502 (2025)
Deeds & Mortgages	Jan 2026 Transfer
Flood Zone	Zone A (high risk)
APN	`05288-626-000`

Property Details

APN / Parcel Number

Primary APN	`05288-626-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Heated Area
Gross Area	1,160 sqft
1st Floor Area	1,064 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Rolled Roofing
Lot Area	63,685 sqft (1.46 acres)
Lot Dimensions	330 ft deep x 193 ft wide

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	256 sqft
Patio Area	256 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	8921 RUFF RD
City	YOUNGSTOWN
State	FL
Zip	32466-2192
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	16-2S-13W -1.716- MAP 141B BEG 3472.32' S & 1560' W OF NE COR TH S 195' W 366.92' N
Legal Range	13W
Legal Township	02S
Legal Section	16
Legal Subdivision	PANAMA PINES 06
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	1
Census Block	1021
Census Tract	401

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5940 STEPHENS DR, PANAMA CITY, FL 32404-9166
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2007 · Amount on Record
Deed Sale	Jul 16, 2007 · Amount on Record
Prior Sale	Jul 16, 2007 · Amount on Record
Deed Document Number	0029481926
Last Transfer Date	Jan 5, 2026
Transfer Doc	0049890694
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Jan 5, 2026
Property Address	8921 RUFF RD, YOUNGSTOWN, FL 32466-2192
Document Number	0049890694
Book / Page	4989 / 694
Instrument Date	Nov 11, 2025
Instrument	2026000239
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5940 STEPHENS DR, PANAMA CITY, FL 32404-9166

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5940 STEPHENS DR, PANAMA CITY, FL 32404-9166

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$502.00 (-9.55%)	$40,638 (-10.4%) Land $32,632 Building $8,006	$40,638 (-10.4%) Land $32,632 Building $8,006
2024	$555.00 (+16.6%)	$45,357 (+29.69%) Land $31,674 Building $13,683	$45,357 (+29.69%) Land $31,674 Building $13,683
2023	$476.00 (+17.82%)	$34,974 (+10.83%) Land $24,027 Building $10,947	$34,974 (+10.83%) Land $24,027 Building $10,947
2022	$404.00	$31,557 Land $21,774 Building $9,783	$31,557 Land $21,774 Building $9,783

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 42 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	1 (2018)
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

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20