Bay County property record for 905 Ruby Pl, Panama City, FL 32404 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 2014 |
| Square Footage | 728 sqft Living Area |
| Lot Size | 9,888 sqft (0.227 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $142,500 (2022) |
| Tax Bill | $1,730.00 (2024) |
| Primary APN | 25723-030-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 728 sqft Living Area |
| 1st Floor | 728 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Concrete Blocks Construction |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 9,888 sqft (0.227 acres) |
| Depth X Width | 100 ft x 99 ft Depth x Width |
| Porch | Open Porch |
| Porch Area | 80 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 905 RUBY PL |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7127 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HORNE MEMORY PLAT (1.20C)119C1 BEG 167.39 SWLY & 99.28 SELY OF INTERSECTION OF SLY R/W HWY 98 & N LINE OF BLK 5 SELY 99.28 SWLY 100 NWLY 99.19 NELY 100 TO POB BEING PART OF BLK 5 TOGETHER WITH & SUBJ TO ESMT ORB 4517 P 2056 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 23 |
| Legal Subdivision | HORNE MEMORY PLAT |
| Legal Block | 5 |
| Jurisdiction | BAY FL |
| Minor Civil Division | PANAMA CITY |
| Census Blockgroup | 3 |
| Census Block | 3015 |
| Census Tract | 900 |
Source: Bay County records · APN 25723-030-000
Assessment roll updated January 5, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 905 RUBY PL, PANAMA CITY, FL 32404-7127 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Sep 23, 2020 | Warranty Deed, Transfer · Commercial Mortgage COMMUNITY BANK OF MISSISSIPPI |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 31, 2022 · Amount on Record |
| Deed Sale | Jan 31, 2022 · Amount on Record |
| Prior Sale | Sep 23, 2020 · Amount on Record |
| Deed Doc Number | 20227177 |
| Deed Book / Page | 4517 / 2056 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 31, 2022 |
| Property Address | 905 RUBY PL, PANAMA CITY, FL 32404-7127 |
| Document Number | 0045172056 |
| Book / Page | 4517 / 2056 |
| Instrument Date | Jan 31, 2022 |
| Instrument | 2022007177 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $997.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 608 WOOD TRL, PANAMA CITY, FL 32405-4490 |
| Name | Verified Name |
|---|---|
| Address | 905 RUBY PL, PANAMA CITY, FL 32404-7127 |
| Document Number | 0045172058 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 4517/2058 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 23, 2020 |
| Property Address | 905 RUBY PL, PANAMA CITY, FL 32404-7127 |
| Document Number | 0043010376 |
| Book / Page | 4301 / 376 |
| Instrument Date | Sep 04, 2020 |
| Instrument | 2020062202 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $469.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 116 BENARR AVE NW, 116, FORT WALTON BEACH, FL 32548-4034 |
| Name | Verified Name |
|---|---|
| Address | 608 WOOD TRL, PANAMA CITY, FL 32405-4490 |
| Document Number | 0004301379 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 4301/379 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 15, 2040 |
| Rate Type | Adjustable Rate |
|---|
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Parker City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,799.00 (+3.99%) | $128,566 (+12.58%) Land $23,279 Building $105,287 | $128,566 (+12.58%) Land $23,279 Building $105,287 |
| 2024 | $1,730.00 (+7.12%) | ||
| 2023 | $1,615.00 (+166.5%) | $114,196 (+91.39%) Land $19,568 Building $94,628 | $114,196 (+91.39%) Land $19,568 Building $94,628 |
| 2022 | $606.00 | $59,666 Land $17,543 Building $42,123 | $59,666 Land $17,543 Building $42,123 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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