1104 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 1104 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,824 sqft · built 1948
Lot Size	0.238 acres (10,367 sqft)
Owner	2 Company Names on File
Last Sale	$245,000 (Feb 2019)
Tax Bill	$4,984 (2025)
Deeds & Mortgages	Feb 2024 Transfer Feb 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21982-000-000`

Property Details

APN / Parcel Number

Primary APN	`21982-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	1,824 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2018
Exterior Material	Asbestos
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,367 sqft (0.238 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	424 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1104 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-3740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVE TERRACE 3RD ADD. LOT 20 BLK B ORB 4777 P 1653
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	B
Legal Lot Number	20
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1900

Owner

Source: Bay County records · APN 21982-000-000

Assessment roll updated January 5, 2026 · Last verified April 2026

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

Owner of Record	2 Company Names on File
Mailing Address	1103 COVE POINTE DR, PANAMA CITY, FL 32401-3771
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 27, 2019	Warranty Deed, Transfer DIAMOND TITLE AGENCY INC
Mar 08, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Sep 19, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 27, 2019 · Amount on Record
Deed Sale	Feb 27, 2019 · Amount on Record
Prior Sale	Mar 08, 2018 · Amount on Record
Deed Document Number	201922474
Deed Book / Page	4095 / 652
Last Transfer Date	Feb 28, 2024
Transfer Doc	0047771653
Record Updated	Jun 08, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Feb 28, 2024
Property Address	1104 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number	0047771653
Book / Page	4777 / 1653
Map Reference	MB 7 PG 60
Instrument Date	Feb 28, 2024
Instrument	2024011178
Transaction Type	Transfer
Record Updated	Mar 26, 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	1103 COVE POINTE DR, PANAMA CITY, FL 32401-3771

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1103 COVE POINTE DR, PANAMA CITY, FL 32401-3771

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 27, 2019
Property Address	1104 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number	0040950652
Book / Page	004095 / 000652
Instrument Date	Feb 25, 2019
Instrument	22474
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$1,715.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1173 COVE POINTE DR PANAMA CITY FL 324013794, PANAMA CITY, FL 32401-3794

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 08, 2018
Property Address	1104 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number	0039862331
Book / Page	003986 / 002331
Instrument Date	Mar 06, 2018
Instrument	13672
Transaction Type	Transfer
Record Updated	Mar 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$805.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	104 SANDOLLAR DR PANAMA CITY BEACH FL 324085114, PANAMA CITY BEACH, FL 32408-5114

September 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BAY FL
Recording Date	Sep 19, 2017
Property Address	1104 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number	0039371729
Book / Page	003937 / 001729
Instrument Date	Sep 17, 2017
Instrument	53284
Transaction Type	Foreclosure
Record Updated	Sep 29, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4425 PONCE DE LEON BLVD CORAL GABLES FL 331461837, CORAL GABLES, FL 33146-1837
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,984.00 (+0.42%)	$315,593 (+20.45%) Land $53,376 Building $262,217	$315,593 (+20.45%) Land $53,376 Building $262,217
2024	$4,963.00 (+5.6%)
2023	$4,700.00 (+13.55%)	$262,020 (+8.86%) Land $46,080 Building $215,940	$262,020 (+8.86%) Land $46,080 Building $215,940
2022	$4,139.00	$240,705 Land $40,012 Building $200,693	$240,705 Land $40,012 Building $200,693

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020, other causes, Hurricane Sally
Claims By Storm	Hurricane Michael, Oct 2018 · 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 437 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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