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1900 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 1900 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,378 sqft · built 1941
Lot Size0.192 acres (8,364 sqft)
OwnerIndividual Name on File
Tax Bill$120 (2025)
Deeds & MortgagesMay 2018 Mortgage
Mar 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN22401-000-000

Property Details

APN / Parcel Number

Primary APN22401-000-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,378 sqft Heated Area
Gross Area1,946 sqft
1st Floor Area1,378 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1941
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,364 sqft (0.192 acres)
Lot Dimensions140 ft deep x 60 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

PorchPorch
Porch Area152 sqft
Deck Area140 sqft
Patio Area420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1900 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-4828
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOLD MILL ADD. LOT 6 ORB 3727 P 2214
Legal Range14W
Legal Township04S
Legal Section10
Legal SubdivisionOLD MILL ADD
Legal Block2
Legal Lot Number6
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1011
Census Tract1800

Owner

Source: Bay County records · APN 22401-000-000

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 RecordIndividual Name on File
Mailing Address1900 E 3RD ST, PANAMA CITY, FL 32401-4828
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 07, 2018Deed of Trust, Mortgage · Conventional Mortgage
CITY/PANAMA CITY
Mar 23, 2017Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Prior SaleAug 26, 2015
Record UpdatedJun 08, 2026

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address1900 E 3RD ST, PANAMA CITY, FL 32401-4828
Document Number0040281770
Instrument DateMay 07, 2018
Transaction TypeMortgage
Record UpdatedAug 02, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1900 E 3RD ST PANAMA CITY FL 324014828, PANAMA CITY, FL 32401-4828

Mortgage

Document Number0040281770
DateJul 17, 2018
Book Page004028/001770
Instrument42426
Lender
NameCITY/PANAMA CITY
Agreement
TypeConventional Mortgage
AmountAmount Recorded

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address1900 E 3RD ST, PANAMA CITY, FL 32401-4828
Document Number0039330909
Book / Page003933 / 000909
Instrument DateMar 23, 2017
Transaction TypeMortgage
Record UpdatedOct 02, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1900 E 3RD ST PANAMA CITY BEACH FL 324014828, PANAMA CITY BEACH, FL 32401-4828

Mortgage

Document Number0039330909
DateSep 01, 2017
Book Page003933/000909
Instrument50217
Lender
NameMISCELLANEOUS GOVT AGCY
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay 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.

YearTax BillAssessed ValueAssessed Market Value
2025$120.00 (-60.13%) Homeowner's exemption$47,577 (+5.99%)$75,420 (+10.76%) Land $22,638 Building $52,782
2023$301.00 (-16.16%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$44,889 (+3%)$68,095 (+14.99%) Land $17,640 Building $50,455
2022$359.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed$43,582$59,219 Land $13,230 Building $45,989

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050018001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies47 units insured
28 under condo master policies
Nearby Flood Claims19 (1979–2021)
Claims Outside the SFHA13 of 19
Most Recent ClaimOct 2021, rainfall accumulation
Claims By Storm
  • Hurricane Michael, Oct 2018 · 6 claims
  • Hurricane Opal, Oct 1995 · 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 218 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
WOW Internet, Cable & PhoneCable1,200 / 50
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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