Bay County property record for 1200 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,880 sqft · built 1957 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $303,900 (Mar 2016) |
| Tax Bill | $3,769 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Jul 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 21854-000-000 |
| Primary APN | 21854-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,880 sqft Heated Area |
| Gross Area | 2,418 sqft |
| 1st Floor Area | 1,880 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 1,000 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 412 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Boat House | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1200 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | COVE TERRACE 1ST ADD. LOT 1 BLK 96 ORB 3780 P 1071 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | COVE TERRACE |
| Legal Block | 96 |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1900 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1200 E 3RD ST, PANAMA CITY, FL 32401-3742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU |
| Jul 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU |
| Nov 9, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2016 · Amount on Record |
| Deed Sale | Mar 23, 2016 · Amount on Record |
| Prior Sale | Aug 19, 2013 · Amount on Record |
| Deed Document Number | 2016014307 |
| Deed Book / Page | 3780 / 1071 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1200 E 3RD ST, PANAMA CITY, FL 32401-3742 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1200 E 3RD ST, PANAMA CITY, FL 32401-3742 |
| Document Number | 0049801337 |
|---|---|
| Date | Dec 5, 2025 |
| Book Page | 4980/1337 |
| Instrument | 2025070899 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1200 E 3RD ST, PANAMA CITY, FL 32401-3742 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1200 E 3RD ST, PANAMA CITY BEACH, FL 32401-3742 |
| Document Number | 0047081780 |
|---|---|
| Date | Jul 12, 2023 |
| Book Page | 4708/1780 |
| Instrument | 2023043263 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1200 E 3RD ST, PANAMA CITY, FL 32401-3742 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1200 E 3RD ST, PANAMA CITY, FL 32401-3742 |
| Document Number | 0046290947 |
|---|---|
| Date | Nov 9, 2022 |
| Book Page | 4629/947 |
| Instrument | 2022081580 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2037 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,769.00 (-3.78%) Homeowner's exemption | $280,729 (+5.99%) | $352,899 (+12.27%) Land $122,805 Building $230,094 |
| 2023 | $3,917.00 (+14.94%) Homeowner's exemption | $264,871 (+11.03%) | $314,339 (+26.01%) Land $113,175 Building $201,164 |
| 2022 | $3,408.00 Homeowner's exemption | $238,551 | $249,453 Land $102,600 Building $146,853 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, 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 |
|
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 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 258 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures