1903 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 1903 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Residential Vacant Land
Details	2 bd · 1 ba
Lot Size	0.733 acres (31,973 sqft)
Owner	Individual Name on File
Last Sale	$537,000 (Oct 2021)
Deeds & Mortgages	Jun 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`22296-000-000`

Property Details

APN / Parcel Number

Primary APN	`22296-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story

Exterior

Lot Area	31,973 sqft (0.733 acres)
Lot Dimensions	200 ft deep x 160 ft wide
Fence	Fence

Location & Zoning

Street Address	1903 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	10 4S 14W-65-81A BEG 198' W OF CENTER OF SEC TH N330' W 66' S 124.5' W 198' S 205.5' E 264'
Legal Range	14W
Legal Township	04S
Legal Section	10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1019
Census Tract	1800

Owner

Source: Bay County records · APN 22296-000-000

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	501 HARRISON AVE # 130, 130, PANAMA CITY, FL 32401-2621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 08, 2021 · Amount on Record
Deed Sale	Oct 08, 2021 · Amount on Record
Deed Document Number	0044721620
Prior Transfer Date	Jun 12, 2020
Prior Transfer Doc	2020038389
Record Updated	Jun 08, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 12, 2020
Property Address	1903 E 3RD ST, PANAMA CITY, FL 32401
Document Number	0042620095
Book / Page	004262 / 000095
Instrument Date	Nov 28, 2017
Instrument	38389
Transaction Type	Transfer
Record Updated	Jul 08, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 ELM AVE PANAMA CITY FL 324014857, PANAMA CITY, FL 32401-4857

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$68,368 (+19.66%) Land $66,528 Building $1,840	$68,368 (+19.66%) Land $66,528 Building $1,840
2024	Additional exemption filed	$57,136 (+6.44%) Land $55,296 Building $1,840	$57,136 (+6.44%) Land $55,296 Building $1,840
2023	Additional exemption filed	$53,680 Land $51,840 Building $1,840	$53,680 Land $51,840 Building $1,840

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Cost	Premium on Record median of 19 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 units insured 28 under condo master policies
Nearby Flood Claims	19 (1979–2021)
Claims Outside the SFHA	13 of 19
Most Recent Claim	Oct 2021, rainfall accumulation
Claims By Storm	Hurricane Michael, Oct 2018 · 6 claims Hurricane Opal, Oct 1995 · 3 claims

Wildfire

Wildfire Risk	Low above 4% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 6,250 per year
Exposure	Direct burnable vegetation at the parcel

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

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
Verizon	Fixed Wireless	300 / 20

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