116 3rd St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 116 3rd St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,964 sqft · built 2018
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$362,766 (Jul 2020)
Tax Bill	$7,594 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04235-000-000`

Property Details

APN / Parcel Number

Primary APN	`04235-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,964 sqft Living Area
1st Floor Area	1,458 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Driveway	Driveway
Driveway Area	345 sqft
Porch	Florida Room
Porch Area	684 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	116 3RD ST
City	MEXICO BEACH
State	FL
Zip	32456-0176
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB02
Legal Description	MEXICO BEACH UNIT #1 LOT 13 BLK 1 ORB 4270 P 2011
Legal Range	12W
Legal Township	06S
Legal Section	25
Legal Subdivision	MEXICO BEACH
Legal Block	1
Legal Lot Number	13
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1112
Census Tract	600

Owner

Source: Bay County records, as of January 5, 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	93 PEAVY RD, HAVANA, FL 32333-6100
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC
Jul 6, 2020	Warranty Deed, Transfer THE FIRST A NATIONAL BANKING ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Jun 15, 2004 · Amount on Record
Deed Document Number	202043729
Deed Book / Page	4270 / 2011
Prior Transfer Date	Feb 2, 2016
Prior Transfer Doc	0037681165
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	116 3RD ST, MEXICO BEACH, FL 32456-0176
Document Number	0043250088
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	613 FORTNER AVE MEXICO BEACH FL 324560117, MEXICO BEACH, FL 32456-0117

Mortgage

Document Number	0043250088
Date	Nov 17, 2020
Book Page	004325/000088
Instrument	77394

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 6, 2020
Property Address	116 3RD ST, MEXICO BEACH, FL 32456-0176
Document Number	0042702011
Book / Page	4270 / 2011
Map Reference	MB 7 PG 5
Instrument Date	Jun 29, 2020
Instrument	2020043729
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	COASTAL TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,539.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 MY WAY, 110, SANTA ROSA BEACH, FL 32459-3054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 PEAVY RD, HAVANA, FL 32333-6100

Mortgage

Document Number	0042702013
Date	Jul 6, 2020
Instrument	4270/2013

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2050

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Mexico Beach City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,594.00 (+3.56%)	$454,911 (+0.24%)	$493,249 (+8.69%) Land $215,000 Building $278,249
2024	$7,333.00 (+6.72%)
2023	$6,871.00 (+18.28%)	$453,800 (+25.21%) Land $233,750 Building $220,050	$453,800 (+25.21%) Land $233,750 Building $220,050
2022	$5,809.00	$362,426 Land $163,250 Building $199,176	$362,426 Land $163,250 Building $199,176

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

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 378 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	693 units insured incl. 315 condo units
Nearby Flood Claims	914 (1985–2024)
Claims Outside the SFHA	547 of 914
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 581 claims Hurricane Dennis, Jul 2005 · 22 claims Hurricane Opal, Oct 1995 · 195 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	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF MEXICO BEACH serves 5,888 people · EPA ID FL1030467
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Xfinity.

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