9026 Ruff Rd, Youngstown, FL 32466 Property Records

Bay County property record for 9026 Ruff Rd, Youngstown, FL 32466

Property Summary

Property Type	Vacant Land
Lot Size	0.699 acres (30,448 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Apr 2020)
Tax Bill	$201 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`05288-461-000`

Property Details

APN / Parcel Number

Primary APN	`05288-461-000`

Exterior

Lot Area	30,448 sqft (0.699 acres)
Lot Dimensions	210 ft deep x 145 ft wide

Location & Zoning

Street Address	9026 RUFF RD
City	YOUNGSTOWN
State	FL
Zip	32466-2193
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	R2
Legal Description	16-2S-13W -1.460A- MAP 141B BEG 2640.17 S & 1290.17 W OF NE COR TH S 144.83 W 210.0 N 145.03 E 210 TO POB AKA PT L-5 B-C PANAMA PINES UNIT IV ORB 4240 P 116183
Legal Range	13W
Legal Township	02S
Legal Section	16
Legal Subdivision	PANAMA PINES
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	1
Census Block	1016
Census Tract	401

Owner

Source: Bay County records, as of January 5, 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 Record
Mailing Address	6515 ROGERS DR, YOUNGSTOWN, FL 32466-3323
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2020 · Amount on Record
Deed Sale	Apr 7, 2020 · Amount on Record
Deed Document Number	202024591
Deed Book / Page	4240 / 1161
Prior Transfer Date	Sep 29, 2006
Prior Transfer Doc	0028401083
Record Updated	Jun 8, 2026

April 2020: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 7, 2020
Property Address	9026 RUFF RD, YOUNGSTOWN, FL 32466-2193
Document Number	0042401161
Book / Page	004240 / 001161
Instrument Date	Apr 6, 2020
Instrument	24591
Record Updated	May 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6515 ROGERS DR YOUNGSTOWN FL 324663323, YOUNGSTOWN, FL 32466-3323

Mortgage

Document Number	42401164
Date	Apr 7, 2020
Book Page	004240/001164
Instrument	24592

Lender

Name	GREGORY L BERRY
Address	3108 W 20TH CT, PANAMA CITY, FL 32405-1823
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 6, 2030

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$201.00 (+6.91%)	$15,456 (+20.61%)	$17,405 (+35.82%) Land $17,404 Building $1
2024	$188.00 (+17.5%)
2023	$160.00 (+19.4%)	$12,815 (+10.35%) Land $12,814 Building $1	$12,815 (+10.35%) Land $12,814 Building $1
2022	$134.00	$11,613 Land $11,612 Building $1	$11,613 Land $11,612 Building $1

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 50% of the US · lower than 79% 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.

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