9102 Ruff Rd, Youngstown, FL 32466 Property Records

Bay County property record for 9102 Ruff Rd, Youngstown, FL 32466

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 980 sqft · built 1992
Lot Size	1.06 acres (46,173 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Apr 2024)
Tax Bill	$139 (2025)
Deeds & Mortgages	May 2021 Transfer
Flood Zone	Zone A (high risk)
APN	`05288-458-000`

Property Details

APN / Parcel Number

Primary APN	`05288-458-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	980 sqft Living Area
1st Floor Area	980 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	46,173 sqft (1.06 acres)
Lot Dimensions	210 ft deep x 220 ft wide
Porch	Enclosed/Unfinished Porch
Porch Area	566 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9102 RUFF RD
City	YOUNGSTOWN
State	FL
Zip	32466-2193
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R2
Legal Description	16-2S-13W -1.458- MAP 141B BEG 2419.97 S & 1500 W OF NE COR TH S 220 E 210 N 220 W 210 TO POB AKA LOT 4 BLK C PANAMA PINES UNIT IV ORB 4797 P 331
Legal Range	13W
Legal Township	02S
Legal Section	16
Legal Subdivision	PANAMA PINES
Legal Block	C
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	1
Census Block	1016
Census Tract	401

Owner

9102 Ruff Rd, a mobile home, is owned and occupied by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	9102 BUFF RD, YOUNGSTOWN, FL 32466
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on File
Deed Sale	Apr 30, 2024 · Amount on File
Prior Sale	Feb 25, 2008 · Amount on File
Deed Document Number	202425017
Deed Book / Page	4797 / 331
Prior Transfer Date	May 3, 2021
Prior Transfer Doc	0044001790
Record Updated	Jun 8, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	May 4, 2021
Property Address	9102 RUFF RD, YOUNGSTOWN, FL 32466-2193
Document Number	0044001790
Book / Page	4400 / 1790
Instrument Date	May 3, 2021
Instrument	2021033247
Transaction Type	Transfer
Record Updated	May 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3905 E 8TH ST, PANAMA CITY, FL 32404-5924

Tax Assessment & Valuation

The 2025 property tax bill for 9102 Ruff Rd was $139 with a homeowner's exemption, down 68.3% from the year before.

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	$139.00 (-68.34%) Homeowner's exemption	$36,277 Land $21,755 Building $14,522	$36,277 Land $21,755 Building $14,522
2024	$439.00 (+17.07%)
2023	$375.00 (+17.19%)	$26,893 (+10.67%) Land $16,018 Building $10,875	$26,893 (+10.67%) Land $16,018 Building $10,875
2022	$320.00	$24,301 Land $14,516 Building $9,785	$24,301 Land $14,516 Building $9,785

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9102 Ruff Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 9102 Ruff Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of 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