9216 Christopher Cir, Youngstown, FL 32466 Property Records

Bay County property record for 9216 Christopher Cir, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,879 sqft · built 1996
Lot Size	0.516 acres (22,476 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (May 2022)
Tax Bill	$3,130 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05291-427-000`

Property Details

APN / Parcel Number

Primary APN	`05291-427-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,879 sqft Living Area
1st Floor Area	1,879 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2016
Exterior Material	Brick
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	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	1,000 sqft
Porch	Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9216 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 34 BLK B ORB 4560 P 1639
Legal Range	13W
Legal Township	02S
Legal Section	17
Legal Subdivision	INDIAN BLUFF ESTATES
Legal Block	B
Legal Lot Number	34
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2024
Census Tract	402

Owner

9216 Christopher Cir is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	9216 CHRISTOPHER CIR, YOUNGSTOWN, FL 32466-2652
Occupancy	Owner Occupied
Owner Type	Individual

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	May 6, 2022 · Amount on File
Deed Sale	May 6, 2022 · Amount on File
Prior Sale	Jul 17, 2003 · Amount on File
Deed Document Number	202234332
Deed Book / Page	4560 / 1639
Prior Transfer Date	Aug 20, 2007
Prior Transfer Doc	0029642064
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 6, 2022
Property Address	9216 CHRISTOPHER CIR, YOUNGSTOWN, FL 32466-2652
Document Number	0045601639
Book / Page	4560 / 1639
Map Reference	MB 15 PG 95
Instrument Date	May 5, 2022
Instrument	2022034332
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7809 HIGHWAY 2301, PANAMA CITY, FL 32404-5571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9216 CHRISTOPHER CIR, YOUNGSTOWN, FL 32466-2652

Mortgage

Document Number	0045601641
Date	May 6, 2022
Instrument	4560/1641

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 9216 Christopher Cir was $3,130, up 5% 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	$3,130.00 (+4.96%)	$252,984 Land $29,539 Building $223,445	$252,984 Land $29,539 Building $223,445
2024	$2,982.00 (-0.9%)
2023	$3,009.00 (+156.74%)	$237,169 (+74.15%) Land $24,198 Building $212,971	$237,169 (+65.1%) Land $24,198 Building $212,971
2022	$1,172.00 Homeowner's exemption	$136,186	$143,650 Land $21,255 Building $122,395

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

FEMA maps place 9216 Christopher Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 9216 Christopher Cir is moderate, ranking above 56% 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 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