Bay County property record for 8933 Ruff Rd, Youngstown, FL 32466
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 2 ba · 1,716 sqft · built 1985 |
| Lot Size | 1.03 acres (44,997 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $30,000 (Jan 2025) |
| Tax Bill | $279 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 05288-652-010 |
| Primary APN | 05288-652-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,716 sqft |
| 1st Floor Area | 1,716 sqft |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Aluminum Siding |
| Lot Area | 44,997 sqft (1.03 acres) |
| Lot Dimensions | 300 ft deep x 150 ft wide |
| Porch | Porch |
| Porch Area | 416 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 8933 RUFF RD |
|---|---|
| City | YOUNGSTOWN |
| State | FL |
| Zip | 32466-2192 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | 16 2S 13W -1.702- 141B COM AT NE COR OF SEC S 1979.97 W 1560' S 1020.43' S 300' FOR |
| Legal Range | 13W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | PANAMA PINES 06 |
| Legal Block | A |
| Legal Lot Number | 8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 401 |
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 | 3528 LANE RD, PANAMA CITY, FL 32404-3131 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2025 · Amount on Record |
| Deed Sale | Jan 16, 2025 · Amount on Record |
| Prior Sale | Oct 31, 2024 · Amount on Record |
| Deed Document Number | 2025002473 |
| Deed Book / Page | 4876 / 1045 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $279.00 (-21.63%) | $22,557 (-11.17%) Land $21,755 Building $802 | $22,557 (-11.17%) Land $21,755 Building $802 |
| 2023 | $356.00 (+17.11%) | $25,394 (+10.92%) Land $16,018 Building $9,376 | $25,394 (+10.92%) Land $16,018 Building $9,376 |
| 2022 | $304.00 | $22,895 Land $14,516 Building $8,379 | $22,895 Land $14,516 Building $8,379 |
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 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.
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.
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 |
| 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.
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 |
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