Bay County property record for 910 Cone Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 912 sqft · built 2022 |
| Lot Size | 0.164 acres (7,144 sqft) |
| Owner | Individual Name on File |
| Last Sale | $214,000 (May 2022) |
| Tax Bill | $2,284 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17744-000-000 |
| Primary APN | 17744-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 912 sqft Heated Area |
| Gross Area | 1,008 sqft |
| 1st Floor Area | 798 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,144 sqft (0.164 acres) |
| Lot Dimensions | 143 ft deep x 50 ft wide |
| Driveway | Driveway |
| Driveway Area | 600 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 910 CONE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2943 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | PINE HILL LOT 10 ORB 4565 P 41 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | PINE HILL |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 1600 |
910 Cone Ave is owned and occupied by an individual who bought it in May 2022.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 910 CONE AVE, PANAMA CITY, FL 32401-2943 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 10, 2022 | Deed of Trust, Mortgage FIRST BANK & TRUST |
| May 17, 2022 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Sep 2, 2020 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2022 · Amount on File |
| Deed Sale | May 17, 2022 · Amount on File |
| Prior Sale | Sep 2, 2020 · Amount on File |
| Deed Document Number | 2022037338 |
| Deed Book / Page | 4565 / 41 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 910 CONE AVE, PANAMA CITY, FL 32401-2943 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1188 RODNEY DR, BATON ROUGE, LA 70808-5871 |
| Document Number | 0045221119 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 4522/1119 |
| Instrument | 2022010003 |
| Name | FIRST BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COVINGTON, LA 70434 |
| Amount | Amount on Record |
|---|---|
| Term | 11 Months |
| Due | Jan 4, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 17, 2022 |
| Property Address | 910 CONE AVE, PANAMA CITY, FL 32401-2943 |
| Document Number | 0045650041 |
| Book / Page | 4565 / 41 |
| Map Reference | MB 2 PG 11 |
| Instrument Date | May 12, 2022 |
| Instrument | 2022037338 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,498.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1188 RODNEY DR, BATON ROUGE, LA 70808-5871 |
| Name | Verified Name |
|---|---|
| Address | 910 CONE AVE, PANAMA CITY, FL 32401-2943 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 2, 2020 |
| Property Address | 910 CONE AVE, PANAMA CITY, FL 32401-2943 |
| Document Number | 0042941124 |
| Book / Page | 004294 / 001124 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 58025 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2020 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $158.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1188 RODNEY DR BATON ROUGE LA 708085871, BATON ROUGE, LA 70808-5871 |
The 2025 property tax bill for 910 Cone Ave was $2,284 with exemptions applied.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,284.00 Homeowner's exemption Disabled Person's exemption | $191,700 | $204,923 Land $15,840 Building $189,083 |
| 2023 | $2,261.00 (+535.11%) Homeowner's exemption Disabled Person's exemption | $180,871 (+1,717.98%) Land $13,365 Building $167,506 | $180,871 (+1,717.98%) Land $13,365 Building $167,506 |
| 2022 | $356.00 | $9,949 Land $9,949 | $9,949 Land $9,949 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 910 Cone Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2008.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 9 (2008–2023) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| Claims by Event |
|
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 risk around 910 Cone Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 336 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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