Bay County property record for 918 Harmon Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,088 sqft · built 2006 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $95,000 (Apr 2006) |
| Tax Bill | $705 (2025) |
| Deeds & Mortgages | Oct 2016 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 17757-020-000 |
| Primary APN | 17757-020-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,088 sqft Heated Area |
| Gross Area | 1,434 sqft |
| 1st Floor Area | 1,088 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,968 sqft (0.137 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Area | 210 sqft |
| Driveway | Driveway |
| Driveway Area | 344 sqft |
| Porch | Porch |
| Porch Area | 136 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 918 HARMON AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2947 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | GREEN GABLES PLAT LOT 9 BLK 1 ORB 2771 P 2165 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | GREEN GABLES |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 1600 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 918 HARMON AVE, PANAMA CITY, FL 32401-2947 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2006 · Amount on Record |
| Deed Sale | Apr 27, 2006 · Amount on Record |
| Deed Document Number | 0027712165 |
| Deed Book / Page | 2771 / 2165 |
| Last Transfer Date | May 2, 2006 |
| Transfer Doc | 0027712165 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 918 HARMON AVE, PANAMA CITY, FL 32401-2947 |
| Document Number | 0038671174 |
| Book / Page | 003867 / 001174 |
| Instrument Date | Oct 27, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2017 |
| Name | Verified Name |
|---|---|
| Address | 918 HARMON AVE PANAMA CITY BEACH FL 324012947, PANAMA CITY BEACH, FL 32401-2947 |
| Document Number | 0038671174 |
|---|---|
| Date | Jan 23, 2017 |
| Book Page | 003867/001174 |
| Instrument | 3620 |
| Name | SUNTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23286-8298 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 22, 2037 |
| Rate | 4.87% |
|---|
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 | $705.00 (-20.07%) Homeowner's exemption | $86,714 (+5.99%) | $108,114 (+14.64%) Land $14,880 Building $93,234 |
| 2023 | $882.00 (-2.86%) Homeowner's exemption | $81,816 (+3%) | $94,311 (+12.1%) Land $12,555 Building $81,756 |
| 2022 | $908.00 Homeowner's exemption | $79,433 | $84,131 Land $9,346 Building $74,785 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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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