Bay County property record for 909 Ruby Pl, Panama City, FL 32404 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 2007 |
| Lot Size | 0.151 acres (6,577 sqft) |
| Owner | Company Name on File |
| Last Sale | $92,000 (Jul 2020) |
| Tax Bill | $2,419 (2025) |
| Deeds & Mortgages | Jul 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 25723-040-000 |
| Primary APN | 25723-040-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,577 sqft (0.151 acres) |
| Lot Dimensions | 100 ft deep x 66 ft wide |
| Porch | Open Porch |
| Porch Area | 102 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 909 RUBY PL |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HORNE MEMORY PLAT (1.20D)119C1 BEG 267.39 SWLY & 99.19 SELY OF INTERSECTION OF SLY R/W HWY 98 & N LINE OF BLK 5 TH SELY 99.19 SWLY 68.05 NWLY 99.13 NELY 67.775 TO POB -PART OF BLK 5 TOGETHER WITH & SUBJ TO ESMT ORB 4273 P 206 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 23 |
| Legal Subdivision | HORNE MEMORY PLAT |
| Legal Block | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 900 |
Source: Bay County records · APN 25723-040-000
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 | Company Name on File |
|---|---|
| Mailing Address | 17500 N BAY RD, 503, SUNNY ISLES BEACH, FL 33160-2854 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 10, 2020 · Amount on Record |
| Deed Sale | Jul 10, 2020 · Amount on Record |
| Prior Sale | Nov 30, 2017 · Amount on Record |
| Deed Document Number | 202045115 |
| Deed Book / Page | 4273 / 206 |
| Prior Transfer Date | Dec 03, 2006 |
| Prior Transfer Doc | 0028590537 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 10, 2020 |
| Property Address | 909 RUBY PL, PANAMA CITY, FL 32404-7127 |
| Document Number | 0042730206 |
| Book / Page | 004273 / 000206 |
| Instrument Date | Jul 07, 2020 |
| Instrument | 45115 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2020 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $644.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 17500 N BAY RD SUNNY ISLES BEACH FL 331602872, SUNNY ISLES BEACH, FL 33160-2872 |
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 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 | $2,419.00 (+8.57%) | $172,875 (+17.41%) Land $23,225 Building $149,650 | $172,875 (+17.41%) Land $23,225 Building $149,650 |
| 2024 | $2,228.00 (+7.01%) | ||
| 2023 | $2,082.00 (+51.75%) | $147,244 (+9.1%) Land $19,522 Building $127,722 | $147,244 (+9.1%) Land $19,522 Building $127,722 |
| 2022 | $1,372.00 | $134,957 Land $17,503 Building $117,454 | $134,957 Land $17,503 Building $117,454 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050009003, 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 X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 38 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 44 units insured 6 under condo master policies |
| Nearby Flood Claims | 16 (1987–2018) |
| Claims Outside the SFHA | 8 of 16 |
| Most Recent Claim | Oct 2018, other causes, Hurricane Michael |
| Claims By Storm |
|
| 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; 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 119 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| WOW Internet, Cable & Phone | Cable | 1,200 / 50 |
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: WOW Internet, Cable & Phone. Availability varies by address; speeds are provider-advertised maximums, not measured.
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