2203 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2203 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,699 sqft · built 2020
Lot Size	0.741 acres (32,277 sqft)
Owner	Individual Name on File
Last Sale	$33,100 (Dec 2011)
Tax Bill	$2,647 (2025)
Deeds & Mortgages	Dec 2022 Transfer Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22547-000-000`

Property Details

APN / Parcel Number

Primary APN	`22547-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,699 sqft Living Area
Gross Area	3,227 sqft
1st Floor Area	1,748 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	32,277 sqft (0.741 acres)
Lot Dimensions	139 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Driveway Area	440 sqft
Porch	Florida Room
Porch Area	423 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2203 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-4833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WELCH ADD LOT 16 LESS 70OFF N END BLK 6 ORB 4637 P 1835 *AND* WELCH ADD LOT 15 LESS 18 OFF E SIDE ORB 4129 P 456 MAP 105D1 BLK 6
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	WELCH ADD
Legal Block	6
Legal Lot Number	16,15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1042
Census Tract	1800

Owner

Source: Bay County records · APN 22547-000-000

Assessment roll updated January 5, 2026 · Last verified April 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	2203 E 3RD ST, PANAMA CITY, FL 32401-4833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 07, 2022	Intrafamily Transfer, Transfer
Apr 15, 2020	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
Mar 05, 2020	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
Feb 01, 2019	Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 05, 2011 · Amount on Record
Deed Sale	Dec 05, 2011 · Amount on Record
Prior Sale	Jul 25, 2011 · Amount on Record
Deed Document Number	201161410
Deed Book / Page	3369 / 2301
Last Transfer Date	Dec 07, 2022
Transfer Doc	0046371835
Record Updated	Jun 08, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Dec 07, 2022
Property Address	2203 E 3RD ST, PANAMA CITY, FL 32401-4833
Document Number	0046371835
Book / Page	4637 / 1835
Map Reference	MB 4 PG 39
Instrument Date	Dec 07, 2022
Instrument	2022087128
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2203 E 3RD ST, PANAMA CITY, FL 32401-4833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2203 E 3RD ST, PANAMA CITY, FL 32401-4833

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2203 E 3RD ST, PANAMA CITY, FL 32401-4833
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042422366
Date	Apr 15, 2020
Book Page	4242/2366
Instrument	2020026169

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2203 E 3RD ST, PANAMA CITY, FL 32401-4833
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042291294
Date	Mar 05, 2020
Book Page	4229/1294
Instrument	2020017008

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2203 E 3RD ST, PANAMA CITY, FL 32401-4833
Document Number	0040930418
Instrument Date	Feb 01, 2019
Transaction Type	Mortgage
Record Updated	Mar 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2203 E 3RD ST PANAMA CITY BEACH FL 324014833, PANAMA CITY BEACH, FL 32401-4833

Mortgage

Document Number	0040930418
Date	Feb 22, 2019
Book Page	004093/000418
Instrument	20364

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2049

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 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	$2,647.00 (-2.18%) Homeowner's exemption	$209,628 (+5.99%)	$380,016 (+9.04%) Land $75,395 Building $304,621
2024	$2,706.00 (-10.78%)
2023	$3,033.00 (+25.75%) Homeowner's exemption	$197,786 (+23.75%)	$348,510 (+22.48%) Land $58,749 Building $289,761
2022	$2,412.00 Homeowner's exemption	$159,826	$284,545 Land $23,042 Building $261,503

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
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.

Mobile Coverage

5G and 4G LTE

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