2002 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2002 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2020
Lot Size	0.207 acres (9,060 sqft)
Owner	Individual Name on File
Tax Bill	$40 (2025)
Deeds & Mortgages	Sep 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`22411-000-000`

Property Details

APN / Parcel Number

Primary APN	`22411-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,232 sqft Heated Area
Gross Area	1,648 sqft
1st Floor Area	1,122 sqft
2nd Floor Area	684 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,060 sqft (0.207 acres)
Lot Dimensions	140 ft deep x 65 ft wide
Porch	Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2002 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-4830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD MILL ADD LOT 7 ORB 1170 P 1830 BLK 3
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	MILL ADD
Legal Block	3
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1015
Census Tract	1800

Owner

Source: Bay County records · APN 22411-000-000

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	2002 E 3RD ST, PANAMA CITY, FL 32401-4830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 26, 1987
Deed Sale	Feb 26, 1987
Deed Document Number	0011701830
Record Updated	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2002 E 3RD ST, PANAMA CITY, FL 32401-4830
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2002 E 3RD ST, PANAMA CITY, FL 32401-4830

Mortgage

Document Number	0042932122
Date	Sep 01, 2020
Book Page	4293/2122
Instrument	2020057740

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 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	$40.00 (-89.1%) Homeowner's exemption	$27,569 (+5.99%)	$198,135 (+7.38%) Land $24,524 Building $173,611
2023	$367.00 (-19.87%) Homeowner's exemption	$26,012 (+3%)	$184,521 (+9.34%) Land $19,110 Building $165,411
2022	$458.00 Homeowner's exemption	$25,254	$168,756 Land $14,332 Building $154,424

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 500 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) 8 of 19 individual policies on primary residences
Nearby Flood Claims	19 (1979–2021)
Claims Outside the SFHA	13 of 19
Most Recent Claim	Oct 2021, rainfall accumulation
Flood Events	Hurricane Michael (Oct 2018), 6 claims Hurricane Opal (Oct 1995), 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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.