9208 Christopher Cir, Youngstown, FL 32466 Property Records

Bay County property record for 9208 Christopher Cir, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,061 sqft · built 2005
Lot Size	0.516 acres (22,476 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Aug 2005)
Tax Bill	$1,903 (2025)
Deeds & Mortgages	Aug 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05291-425-000`

Property Details

APN / Parcel Number

Primary APN	`05291-425-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,061 sqft Living Area
Gross Area	2,523 sqft
1st Floor Area	1,791 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	22,476 sqft (0.516 acres)
Lot Dimensions	225 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	748 sqft
Porch	Florida Room
Porch Area	456 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9208 CHRISTOPHER CIR
City	YOUNGSTOWN
State	FL
Zip	32466-2652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	INDIAN BLUFF ESTATES UNIT #2 LOT 32 BLK B ORB 1776 P 1899 ORB 2160 P 1368 ORB 2210 P 1192 ORB 2280 P 294 ORB 2400 P 1402 ORB 2659 P 1960
Legal Range	13W
Legal Township	02S
Legal Section	17
Legal Subdivision	INDIAN BLUFF ESTATES
Legal Block	B
Legal Lot Number	32
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2024
Census Tract	402

Owner

Source: Bay County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9208 CHRISTOPHER CIR, YOUNGSTOWN, FL 32466-2652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2005 · Amount on Record
Deed Sale	Aug 19, 2005 · Amount on Record
Prior Sale	Feb 23, 2004 · Amount on Record
Deed Document Number	200566452
Deed Book / Page	2659 / 1960
Prior Transfer Date	Mar 21, 2003
Prior Transfer Doc	0022800294
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	9208 CHRISTOPHER CIR, YOUNGSTOWN, FL 32466-2652
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9208 CHRISTOPHER CIR, YOUNGSTOWN, FL 32466-2652
Investor	Possibly a Property Investor

Mortgage

Document Number	0044530373
Date	Aug 27, 2021
Book Page	4453/373
Instrument	2021066239

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,903.00 (+1.44%) Homeowner's exemption	$193,432 (+5.99%)	$251,753 (+7.1%) Land $38,401 Building $213,352
2024	$1,876.00 (+2.18%)
2023	$1,836.00 (+11.54%) Homeowner's exemption	$182,506 (+3%)	$235,072 (+10.28%) Land $31,457 Building $203,615
2022	$1,646.00 Homeowner's exemption	$177,190	$213,155 Land $27,631 Building $185,524

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 93 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	93 in force
Nearby Flood Claims	10 (2018–2021)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Hurricane Michael, Oct 2018 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20