9215 Christopher Cir, Youngstown, FL 32466 Property Records

Bay County property record for 9215 Christopher Cir, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,204 sqft · built 1994
Lot Size	0.516 acres (22,477 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Jul 2024)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	May 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`05291-419-000`

Property Details

APN / Parcel Number

Primary APN	`05291-419-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,204 sqft Heated Area
Gross Area	3,163 sqft
1st Floor Area	995 sqft
2nd Floor Area	1,209 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2024
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	22,477 sqft (0.516 acres)
Lot Dimensions	225 ft deep x 100 ft wide
Garage Area	713 sqft

Exterior Amenities

Porch	Porch
Porch Area	150 sqft
Patio Area	160 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	9215 CHRISTOPHER CIR
City	YOUNGSTOWN
State	FL
Zip	32466-2653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	INDIAN BLUFF ESTATES UNIT #2 LOT 26 BLK B ORB 4826 P 1795
Legal Range	13W
Legal Township	02S
Legal Section	17
Legal Subdivision	INDIAN BLUFF
Legal Block	B
Legal Lot Number	26
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 January 23, 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
Co-owner	Co-owner on Record
Mailing Address	9215 CHRISTOPHER CIR, YOUNGSTOWN, FL 32466-2653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Deed Document Number	2024045241
Deed Book / Page	4826 / 1795
Record Updated	Jun 8, 2026

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	9215 CHRISTOPHER CIR, YOUNGSTOWN, FL 32466-2653
Document Number	0041590282
Instrument Date	May 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9215 CHRISTOPHER CIR YOUNGSTOWN FL 324662653, YOUNGSTOWN, FL 32466-2653

Mortgage

Document Number	0041590282
Date	Aug 21, 2019
Book Page	004159/000282
Instrument	75119

Lender

Name	DITECH FIN'L
Address	TEMPE, AZ 85284

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	480 Months
Due	Aug 20, 2059

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$3,537.00 (+5.58%) Homeowner's exemption	$325,549 (+23.15%) Land $29,539 Building $296,010	$325,549 (+23.15%) Land $29,539 Building $296,010
2023	$3,350.00 (+170.16%)	$264,346 (+86.05%) Land $24,198 Building $240,148	$264,346 (+10.15%) Land $24,198 Building $240,148
2022	$1,240.00 Homeowner's exemption	$142,082	$239,986 Land $21,255 Building $218,731

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE, 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