Bay County property record for 928 Grace Ave, Panama City, FL 32401
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.113 acres (4,922 sqft) |
| Owner | Company Name on Record |
| Last Sale | $75,000 (Sep 2023) |
| Tax Bill | $236 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18105-020-000 |
| Primary APN | 18105-020-000 |
|---|
| Lot Area | 4,922 sqft (0.113 acres) |
|---|---|
| Lot Dimensions | 150 ft deep x 33 ft wide |
| Street Address | 928 GRACE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2522 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | PC06 |
| Legal Description | 5 4S 14W -70.2- 29B COM AT THE INT OF THE EAST R/W LINE OF GRACE AVE & THE NORTH R/W LINE OF W 9TH ST TH RUN NORTH ALONG SAID E R/W LINE 324.96 FOR POB TH N 33.33 E 150.84 S 5.75 S 27.62 W 150.63 TO POB ORB 4733 P 1340 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 2000 |
Source: Bay County records, as of July 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 128 WHITE OAKS BLVD, PANAMA CITY, FL 32409-2371 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Jul 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage TYNDALL FEDERAL CREDIT UNION |
| Sep 22, 2023 | Warranty Deed, Transfer FIRST INTERNATIONAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2023 · Amount on Record |
| Deed Sale | Sep 22, 2023 · Amount on Record |
| Deed Document Number | 202360481 |
| Deed Book / Page | 4733 / 1340 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 928 GRACE AVE, PANAMA CITY, FL 32401-2522 |
| Document Number | 0000041672 |
| Book / Page | 5054 / 1352 |
| Instrument Date | Jul 6, 2026 |
| Instrument | 202641672 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $233,310.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 928 GRACE AVE, PANAMA CITY, FL 32401-2522 |
| Document Number | 0000041673, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 202641673 |
| Name | TYNDALL FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 22, 2023 |
| Property Address | 928 GRACE AVE, PANAMA CITY, FL 32401-2522 |
| Document Number | 0047331340 |
| Book / Page | 4733 / 1340 |
| Instrument Date | Sep 22, 2023 |
| Instrument | 2023060481 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $525.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 930 GRACE AVE, PANAMA CITY, FL 32401-2522 |
| Name | Verified Name |
|---|---|
| Address | 128 WHITE OAKS BLVD, PANAMA CITY, FL 32409-2371 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $236.00 (+0.85%) | $14,665 | $15,532 Land $15,532 |
| 2024 | $234.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Flood Insurance Cost | Premium on Record median of 69 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 69 in force |
| Nearby Flood Claims | 55 (1983–2020) |
| Claims Outside the SFHA | 19 of 55 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 99.8% of the US · lower than 99.7% 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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