1106 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 1106 E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 2022
Lot Size	0.276 acres (12,066 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Dec 2022)
Tax Bill	$4,834 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`21981-000-000`

Property Details

APN / Parcel Number

Primary APN	`21981-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,616 sqft Heated Area
Gross Area	2,328 sqft
1st Floor Area	885 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	12,066 sqft (0.276 acres)
Lot Dimensions	110 ft deep x 110 ft wide
Driveway	Driveway
Driveway Area	704 sqft

Exterior Amenities

Pool Area	240 sqft
Porch	Porch
Porch Area	60 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1106 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-3740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD LOT 19 BLK B ORB 4639 P 1010
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	B
Legal Lot Number	19
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1900

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	Individual Name on Record
Mailing Address	PSC 2 BOX 5635 APO AE 09012-0057 Y, XX
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2022	Warranty Deed, Transfer · Conventional Mortgage LAKE AREA MORTGAGE
Dec 7, 2021	Warranty Deed, Transfer SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022 · Amount on Record
Deed Sale	Dec 13, 2022 · Amount on Record
Prior Sale	Dec 7, 2021 · Amount on Record
Deed Document Number	0046391010
Deed Book / Page	4639 / 1010
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 13, 2022
Property Address	1106 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number	0046391010
Book / Page	4639 / 1010
Map Reference	MB 7 PG 60
Instrument Date	Dec 13, 2022
Instrument	2022088298
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	227 S COVE TERRACE DR, PANAMA CITY, FL 32401-4038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 E 3RD ST, PANAMA CITY, FL 32401-3740

Mortgage

Document Number	0046391012
Date	Dec 13, 2022
Instrument	4639/1012

Lender

Name	LAKE AREA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 7, 2021
Property Address	1106 E 3RD ST, PANAMA CITY, FL 32401-3740
Document Number	0044951227
Book / Page	4495 / 1227
Map Reference	MB 7 PG 60
Instrument Date	Dec 3, 2021
Instrument	2021092546
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Tax	$458.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3228 LAKESHORE DR, 3228, CHIPLEY, FL 32428-3530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 S COVE TERRACE DR, PANAMA CITY, FL 32401-4038

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,834.00 (+4.93%) Homeowner's exemption	$348,134 (+7.77%)	$399,036 (+23.53%) Land $68,040 Building $330,996
2023	$4,607.00 (+374.95%) Homeowner's exemption	$323,021 (+533.31%) Land $58,740 Building $264,281	$323,021 (+533.31%) Land $58,740 Building $264,281
2022	$970.00	$51,005 Land $51,005	$51,005 Land $51,005

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 18 policies
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 · Hurricane Sally
Claims by Event	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	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 437 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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