Bay County property record for 122 3rd St, Mexico Beach, FL 32456
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,196 sqft · built 1989 |
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $455,000 (Sep 2024) |
| Tax Bill | $3,421 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04241-020-000 |
| Primary APN | 04241-020-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,971 sqft (0.183 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| Driveway | Driveway |
| Driveway Area | 768 sqft |
| Porch | Enclosed/Unfinished Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 100 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 122 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 W 80 LOTS 2 & 3 BLK 2 ORB 4837 P 2108 |
| Legal Range | 12W |
| Legal Township | 06S |
| Legal Section | 25 |
| Legal Subdivision | MEXICO BEACH |
| Legal Block | 2 |
| Legal Lot Number | 2,3 |
| Legal Unit | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | MEXICO BEACH |
| Census Block Group | 1 |
| Census Block | 1078 |
| Census Tract | 600 |
Source: Bay County records, as of July 16, 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 | 122 3RD ST, MEXICO BEACH, FL 32456-0176 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2024 · Amount on Record |
| Deed Sale | Sep 4, 2024 · Amount on Record |
| Prior Sale | Jun 8, 2006 · Amount on Record |
| Deed Document Number | 202452520 |
| Deed Book / Page | 4837 / 2108 |
| Prior Transfer Date | May 31, 2006 |
| Prior Transfer Doc | 0027890444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 24, 2026 |
| Property Address | 122 3RD ST, MEXICO BEACH, FL 32456-0176 |
| Document Number | 0000038064 |
| Book / Page | 5048 / 1300 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202638064 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 122 3RD ST, MEXICO BEACH, FL 32456-0176 |
| Document Number | 0000038064, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 5048/1300 |
| Instrument | 202638064 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Mexico Beach City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,421.00 (+91.44%) Homeowner's exemption | $252,933 (+69.2%) | $392,631 (+2.13%) Land $292,400 Building $100,231 |
| 2024 | $1,787.00 (+1.77%) | ||
| 2023 | $1,756.00 (+7.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $149,485 (+3%) | $384,443 (+35.7%) Land $317,900 Building $66,543 |
| 2022 | $1,639.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $145,131 | $283,300 Land $222,020 Building $61,280 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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 |
|
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 | 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.
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 |
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.
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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