Bay County property record for 944 Grace Ave, Panama City, FL 32401
| Property Type | Commercial |
|---|---|
| Details | 984 sqft · built 2024 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,772 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Sep 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18105-010-000 |
| Primary APN | 18105-010-000 |
|---|
| Building Area | 984 sqft Gross Area |
|---|
| Lot Area | 14,984 sqft (0.344 acres) |
|---|---|
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Total Buildings | 2 Buildings |
| Street Address | 944 GRACE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2522 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | PC06 |
| Legal Description | 5 4S 14W -70.1- 29B COM AT INT E R/W GRACE AVE AND TH N R/W W 9TH ST TH N 258.31 TH N 223.84 FOR POB TH N 100 TO S R/W W 10TH ST TH E 150.12 S 100.06 W 150.15 TO POB ORB 4455 P 1528 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 05 |
| 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 21, 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 |
|---|---|
| Mailing Address | 2617 ALBERT AVE, PANAMA CITY, FL 32408-6203 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jul 2, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 1, 2021 | Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 18, 2026 |
| Transfer Doc | 0000040291 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 2, 2026 |
| Property Address | 944 GRACE AVE, PANAMA CITY, FL 32401-2522 |
| Document Number | 0000040291 |
| Book / Page | 5052 / 922 |
| Instrument Date | Feb 18, 2026 |
| Instrument | 202640291 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2617 ALBERT AVE, PANAMA CITY, FL 32408-6203 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 944 GRACE AVE, PANAMA CITY, FL 32401-2522 |
| Document Number | 0044551528 |
| Book / Page | 4455 / 1528 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021067684 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $805.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 930 GRACE AVE, PANAMA CITY, FL 32401-2522 |
| Name | Verified Name |
|---|---|
| Address | 2617 ALBERT AVE, PANAMA CITY BEACH, FL 32408-6203 |
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 | $1,772.00 (+179.5%) | $105,969 (+265.41%) Land $46,600 Building $59,369 | $105,969 (+265.41%) Land $46,600 Building $59,369 |
| 2023 | $634.00 (+11.82%) | $29,000 (+20.33%) Land $29,000 | $29,000 (+20.33%) Land $29,000 |
| 2022 | $567.00 | $24,100 Land $24,100 | $24,100 Land $24,100 |
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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