2124 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2124 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Commercial Vacant Land
Details	1,782 sqft · built 1925
Lot Size	0.057 acres (2,526 sqft)
Owner	Company Name on File
Last Sale	$20,000 (Sep 2025)
Tax Bill	$146 (2025)
Deeds & Mortgages	Sep 2025 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22861-000-000`

Property Details

APN / Parcel Number

Primary APN	`22861-000-000`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,782 sqft
1st Floor Area	1,542 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1925
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Lot Area	2,526 sqft (0.057 acres)
Lot Dimensions	80 ft deep x 32 ft wide

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant

Location & Zoning

Street Address	2124 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-4832
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	HOLMES ADD BEG 175' E OF CENTER OF SEC TH S 80' E 31.08' N 80' W
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	HOLMES ADD
Legal Block	6
Legal Lot Number	1 8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1044
Census Tract	1800

Owner

Source: Bay County records · APN 22861-000-000

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	Company Name on File
Mailing Address	316 PARK AVE, PANAMA CITY, FL 32401-3154
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 11, 2025 · Amount on Record
Deed Sale	Sep 11, 2025 · Amount on Record
Prior Sale	Nov 22, 2004 · Amount on Record
Deed Document Number	2025052291
Deed Book / Page	4951 / 1439
Record Updated	Jun 08, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 11, 2025
Property Address	2124 E 3RD ST, PANAMA CITY, FL 32401-4832
Document Number	0049511439
Book / Page	4951 / 1439
Map Reference	MB 4 PG 40
Instrument Date	Sep 03, 2025
Instrument	2025052291
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	850 TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3364 LODGE DRB, CHIPLEY, FL 32428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 PARK AVE, PANAMA CITY, FL 32401-3154

Mortgage

Document Number	0049511441
Date	Sep 11, 2025
Instrument	4951/1441

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 10, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$146.00 (-10.43%)	$12,800 (-) Land $12,800	$12,800 (-) Land $12,800
2024	$163.00 (-51.05%)	$12,800 (-) Land $12,800	$12,800 (-) Land $12,800
2023	$333.00 (+5.38%)	$12,800 (+25%) Land $12,800	$12,800 (+25%) Land $12,800
2022	$316.00	$10,240 Land $10,240	$10,240 Land $10,240

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.