Bay County property record for 9108 Ruff Rd, Youngstown, FL 32466
| Property Type | Vacant Land |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 1.01 acres (43,995 sqft) |
| Owner | Company Name on File |
| Tax Bill | $126 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 05288-454-000 |
| Primary APN | 05288-454-000 |
|---|
| Lot Area | 43,995 sqft (1.01 acres) |
|---|---|
| Lot Dimensions | 400 ft deep x 110 ft wide |
| Street Address | 9108 RUFF RD |
|---|---|
| City | YOUNGSTOWN |
| State | FL |
| Zip | 32466-2193 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | R2 |
| Legal Description | 16-2S-13W -1.454- MAP 141B BEG 2089.97 S & 1100 W OF NE COR TH S 110 W 400 N 110 E 400 TO POB AKA L-2 B-C PANAMA PINES U-IV UNR ORB 1055 P 381 |
| 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 | 1016 |
| Census Tract | 401 |
9108 Ruff Rd, vacant land, is owned by a company.
Source: Bay County records, as of June 11, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 349 HILAND DR, PANAMA CITY, FL 32404-9242 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 9108 Ruff Rd was $126, up 7.7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $126.00 (+7.69%) | $9,660 | $10,878 Land $10,878 |
| 2024 | $117.00 (+17%) | ||
| 2023 | $100.00 (+20.48%) | $8,009 (+10.35%) Land $8,009 | $8,009 (+10.35%) Land $8,009 |
| 2022 | $83.00 | $7,258 Land $7,258 | $7,258 Land $7,258 |
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 9108 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 risk around 9108 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.
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 |
| 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.
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 |
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