9027 Ruff Rd, Youngstown, FL 32466 Property Records

Bay County property record for 9027 Ruff Rd, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 1988
Lot Size	1.03 acres (44,997 sqft)
Owner	Individual Name on Record
Last Sale	$112,000 (Nov 2019)
Tax Bill	$819 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`05288-442-000`

Property Details

APN / Parcel Number

Primary APN	`05288-442-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	952 sqft Living Area
1st Floor Area	952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2010
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	44,997 sqft (1.03 acres)
Lot Dimensions	300 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	720 sqft
Driveway	Driveway
Driveway Area	800 sqft
Porch	Open Porch
Porch Area	204 sqft
Deck Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9027 RUFF RD
City	YOUNGSTOWN
State	FL
Zip	32466-2192
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16-2S-13W -1.442- MAP 141B BEG 2579.97 S & 1560 W OF NE COR TH S 150 W 300 N 150 E 300 TO POB AKA L-8 B-B PANAMA PINES U-IV ORB 4191 P 2069
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	1015
Census Tract	401

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	9027 RUFF RD, YOUNGSTOWN, FL 32466-2192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2019 · Amount on Record
Deed Sale	Nov 18, 2019 · Amount on Record
Prior Sale	Dec 20, 2010 · Amount on Record
Deed Document Number	201999336
Deed Book / Page	4191 / 2069
Prior Transfer Date	Oct 16, 2006
Prior Transfer Doc	0028540831
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 18, 2019
Property Address	9027 RUFF RD, YOUNGSTOWN, FL 32466-2192
Document Number	0041912069
Book / Page	004191 / 002069
Instrument Date	Nov 18, 2019
Instrument	99336
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$784.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 35522 PANAMA CITY FL 324125522, PANAMA CITY, FL 32412-5522

Mortgage

Document Number	41912071
Date	Nov 18, 2019
Book Page	004191/002071
Instrument	99337

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

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	$819.00 (-0.85%) Homeowner's exemption	$105,895 (+5.99%)	$115,493 (+8.5%) Land $21,755 Building $93,738
2024	$826.00 (+2.99%)
2023	$802.00 (+13.12%) Homeowner's exemption	$99,914 (+4%)	$106,450 (+5.46%) Land $16,018 Building $90,432
2022	$709.00 Homeowner's exemption	$96,071	$100,940 Land $14,516 Building $86,424

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 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.

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