1202 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 1202 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,010 sqft · built 1957
Lot Size	0.298 acres (12,981 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Jun 2020)
Tax Bill	$5,039 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`21855-000-000`

Property Details

APN / Parcel Number

Primary APN	`21855-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,010 sqft Heated Area
Gross Area	2,652 sqft
1st Floor Area	2,010 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2017
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	240 sqft

Exterior Amenities

Porch	Porch
Porch Area	276 sqft
Patio Area	200 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1202 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-3742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVE TERRACE 1ST ADD. LOT 2 BLK 96 ORB 1387 P 728 ORB 4257 P 617
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE
Legal Block	96
Legal Lot Number	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2001
Census Tract	1900

Owner

Source: Bay County records · APN 21855-000-000

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 Record	Individual Name on File
Mailing Address	1202 E 3RD ST, PANAMA CITY, FL 32401-3742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 01, 2020 · Amount on Record
Deed Sale	Jun 01, 2020 · Amount on Record
Deed Document Number	2020035098
Deed Book / Page	4257 / 617
Record Updated	Jun 08, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 01, 2020
Property Address	1202 E 3RD ST, PANAMA CITY, FL 32401-3742
Document Number	0042570617
Book / Page	4257 / 617
Map Reference	MB 7 PG 51
Instrument Date	May 29, 2020
Instrument	2020035098
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2149 N HAMPTON CIR, 2149, WINTER PARK, FL 32792-1847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 PARKS RD, JACKSON, MS 39212-9631

Mortgage

Document Number	0004257619
Date	Jun 01, 2020
Instrument	4257/619

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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	$5,039.00 (-3.71%) Homeowner's exemption	$361,116 (+5.99%)	$404,997 (+12.93%) Land $141,471 Building $263,526
2023	$5,233.00 (+6.88%) Homeowner's exemption	$340,717 (+3%)	$358,630 (+8.42%) Land $130,277 Building $228,353
2022	$4,896.00 Homeowner's exemption	$330,793 Land $118,104 Building $212,689	$330,793 Land $118,104 Building $212,689

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 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
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 5% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.