9232 Indian Bluff Rd, Youngstown, FL 32466 Property Records

Bay County property record for 9232 Indian Bluff Rd, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,461 sqft · built 2003
Lot Size	10.5 acres (457,380 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,457 (2025)
Deeds & Mortgages	Dec 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`05290-080-010`

Property Details

APN / Parcel Number

Primary APN	`05290-080-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,461 sqft Heated Area
Gross Area	3,728 sqft
1st Floor Area	2,461 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	457,380 sqft (10.5 acres)
Garage Type	Mixed
Garage Area	528 sqft
Driveway	Driveway
Driveway Area	1,485 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	658 sqft
Patio Area	1,344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	9232 INDIAN BLUFF RD
City	YOUNGSTOWN
State	FL
Zip	32466-2048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	17 2S 13W -2.81- 126A COM AT NE COR OF NW1/4 TH S 1515.09' FOR POB E 246.09' S
Legal Range	13W
Legal Township	02S
Legal Section	17
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2027
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	2 Individual Names on Record
Co-owner	2 Co-owners on Record
Mailing Address	9232 INDIAN BLUFF RD, YOUNGSTOWN, FL 32466-2048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	4 Names on Deed
Prior Sale	Apr 9, 2007
Last Transfer Date	Dec 19, 2023
Transfer Doc	0047582129
Record Updated	Jun 8, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Dec 19, 2023
Property Address	9232 INDIAN BLUFF RD, YOUNGSTOWN, FL 32466-2048
Document Number	0047582129
Book / Page	4758 / 2129
Instrument Date	Dec 19, 2023
Instrument	2023078366
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9232 INDIAN BLUFF RD, YOUNGSTOWN, FL 32466-2048

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3726 PINE LOG RD, CHIPLEY, FL 32428-5415

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	$3,457.00 (+59.31%) Homeowner's exemption	$319,047 (+52.53%)	$358,306 (+56.1%) Land $130,410 Building $227,896
2023	$2,170.00 (+11.57%) Homeowner's exemption	$209,165 (+3%)	$229,538 (+10.45%) Land $130,410 Building $99,128
2022	$1,945.00 Homeowner's exemption	$203,073	$207,822 Land $116,235 Building $91,587

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 100 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 68% of the US · above 47% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 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