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1102 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 1102 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,369 sqft · built 2018
Lot Size0.241 acres (10,498 sqft)
OwnerIndividual Name on File
Last Sale$500,000 (Nov 2022)
Tax Bill$6,555 (2023)
Deeds & MortgagesNov 2022 Sale & Mortgage
May 2019 Loan Modification
+ 3 more
Flood ZoneZone X (minimal risk)
APN21983-000-000

Property Details

APN / Parcel Number

Primary APN21983-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,369 sqft Heated Area
Gross Area3,580 sqft
1st Floor Area2,369 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,498 sqft (0.241 acres)
Lot Dimensions130 ft deep x 81 ft wide
Garage Area690 sqft
DrivewayDriveway
Driveway Area779 sqft

Exterior Amenities

Pool TypePool with Hot Tub/Spa
PorchPorch
Porch Area707 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1102 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-3740
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOVE TERRACE 3RD ADD. LOT 21 BLK B ORB 4632 P 1910
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionCOVE TERRACE
Legal BlockB
Legal Lot Number21
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2003
Census Tract1900

Owner

Source: Bay County records · APN 21983-000-000

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1102 E 3RD ST, PANAMA CITY, FL 32401-3740
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 21, 2022Warranty Deed, Transfer · VA Mortgage
ROCKET MORTGAGE LLC
May 16, 2019Loan Modification, Mortgage
FIRST FED'L SVGS BK
Jun 29, 2018Loan Modification, Mortgage
FIRST FSB/FL
Oct 16, 2017Deed of Trust, Mortgage
FIRST FSB/FL
Mar 30, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 21, 2022 · Amount on Record
Deed SaleNov 21, 2022 · Amount on Record
Prior SaleMar 30, 2017
Deed Document Number0046321910
Deed Book / Page4632 / 1910
Record UpdatedJun 08, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateNov 21, 2022
Property Address1102 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number0046321910
Book / Page4632 / 1910
Map ReferenceMB 7 PG 60
Instrument DateNov 21, 2022
Instrument2022083846
Transaction TypeTransfer
Record UpdatedDec 16, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,500.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1102 E 3RD ST, PANAMA CITY, FL 32401-3740

Mortgage

Document Number0046321914
DateNov 21, 2022
Instrument4632/1914
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2052

May 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address1102 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number0041330618
Instrument DateMay 16, 2019
Transaction TypeMortgage
Record UpdatedJul 15, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1102 E 3RD ST PANAMA CITY BEACH FL 324013740, PANAMA CITY BEACH, FL 32401-3740

Mortgage

Document Number0041330618
DateJun 11, 2019
Book Page004133/000618
Instrument54830
Lender
NameFIRST FED'L SVGS BK
TypeFederal Savings Bank
AddressEL PASO, TX 79935
Agreement
AmountAmount Recorded
Term480 Months
DueJun 10, 2059
Interest
Rate4.75%

June 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address1102 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number0040240087
Instrument DateJun 29, 2018
Transaction TypeMortgage
Record UpdatedNov 06, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1102 E 3RD ST PANAMA CITY BEACH FL 324013740, PANAMA CITY BEACH, FL 32401-3740

Mortgage

Document Number0040240087
DateJul 03, 2018
Book Page004024/000087
Instrument39281
Lender
NameFIRST FSB/FL
TypeFederal Savings Bank
AddressLAKE CITY, FL 32055
Agreement
AmountAmount Recorded
Term360 Months
DueJul 02, 2048
Interest
Rate TypeFixed Rate
Rate5.25%

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address1102 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number0039461764
Instrument DateOct 16, 2017
Transaction TypeMortgage
Record UpdatedNov 06, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1102 E 3RD ST PANAMA CITY BEACH FL 324013740, PANAMA CITY BEACH, FL 32401-3740

Mortgage

Document Number0039461764
DateOct 17, 2017
Book Page003946/001764
Instrument59992
Lender
NameFIRST FSB/FL
TypeFederal Savings Bank
AddressLAKE CITY, FL 32055
Agreement
AmountAmount Recorded
Term360 Months
DueOct 16, 2047

March 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateMar 30, 2017
Property Address1102 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number0038861952
Book / Page003886 / 001952
Instrument DateMar 28, 2017
Instrument17529
Transaction TypeTransfer
Record UpdatedMay 15, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2121 HARRISON AVE #J2 PANAMA CITY FL 324054565, J2, PANAMA CITY, FL 32405-4565

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025Homeowner's exemption Disabled Person's exemption Veteran's exemption$466,020 (+9.94%)$529,668 (+24.95%) Land $54,043 Building $475,625
2023$6,555.00 (+78.22%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$423,903 (+67.95%) Land $46,656 Building $377,247$423,903 (+41.21%) Land $46,656 Building $377,247
2022$3,678.00 Homeowner's exemption$252,402$300,202 Land $40,512 Building $259,690

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050019002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 18 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 in force
16 of 18 on primary residences
Nearby Flood Claims10 (1995–2020)
Claims Outside the SFHA4 of 10
Most Recent ClaimSep 2020, other causes, Hurricane Sally
Flood Events
  • Hurricane Michael (Oct 2018), 5 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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