Bay County property record for 9010 Ruff Rd, Youngstown, FL 32466 · Last verified August 2026
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,782 sqft · built 1996 |
| Lot Size | 1.1 acres (48,264 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $167 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 05288-662-000 |
| Primary APN | 05288-662-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,782 sqft Living Area |
| 1st Floor Area | 1,782 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 48,264 sqft (1.1 acres) |
| Lot Dimensions | 230 ft deep x 210 ft wide |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 396 sqft |
| Deck Area | 288 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9010 RUFF RD |
|---|---|
| City | YOUNGSTOWN |
| State | FL |
| Zip | 32466-2193 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | 16 2S 13W -1.708- 141B COM SE COR SEC TH E 89.94 N 2068.76 W 1340.21 W 209.97 FOR POB TH W 209.97 N 230.07 E 209.97 S 230.07 TO POB AKA LOT 1 BLK B PANAMA PINES U# VI ORB 1509 P 1203 ORB 2403 P 457 ORB 2436 P 2266 |
| Legal Range | 13W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | PANAMA PINES |
| Legal Block | B |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 401 |
Source: Bay County records · APN 05288-662-000
Assessment roll updated January 5, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9010 RUFF RD, YOUNGSTOWN, FL 32466-2193 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 07, 2004 |
| Deed Sale | Jun 07, 2004 |
| Prior Sale | May 06, 2004 · Amount on Record |
| Deed Document Number | 200443257 |
| Deed Book / Page | 2453 / 1830 |
| Record Updated | Sep 20, 2026 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $167.00 (-13.47%) Homeowner's exemption | $38,511 (+2.9%) | $48,815 (+4.65%) Land $21,755 Building $27,060 |
| 2024 | $193.00 (+36.88%) Homeowner's exemption | $37,426 (+13.08%) | $46,645 (+27.18%) Land $21,116 Building $25,529 |
| 2023 | $141.00 (+15.57%) Homeowner's exemption | $33,096 (+3%) | $36,676 (+10.69%) Land $16,018 Building $20,658 |
| 2022 | $122.00 Homeowner's exemption | $32,132 | $33,133 Land $14,516 Building $18,617 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050004011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 42 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Oct 2018, other causes, Hurricane Michael |
| Wildfire Risk | Moderate above 50% of the US · above 20% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 901 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 102 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Fiber | 2,000 / 2,000 |
| Mediacom Communications | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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