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2209 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2209 E 3rd St, Panama City, FL 32401

Property Summary

Property TypeResidential Vacant Land
Details3 bd · 1 ba · 1,758 sqft · built 1910
Lot Size0.41 acres (17,860 sqft)
Owner2 Individual Names on Record
Last Sale$22,450 (May 2019)
Tax Bill$314 (2022)
Deeds & MortgagesMay 2019 Sale
May 2019 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN22546-000-000

Property Details

APN / Parcel Number

Primary APN22546-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,758 sqft
Gross Area2,299 sqft
1st Floor Area1,758 sqft

Exterior

Year BuiltBuilt 1910
Exterior MaterialShingles
Lot Area17,860 sqft (0.41 acres)
Lot Dimensions208 ft deep x 86 ft wide
PorchPorch
Porch Area541 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemRadiant

Location & Zoning

Street Address2209 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-4833
Property CategoryResidential
Property TypeVacant Land > Residential
Legal DescriptionWELCH ADD LOT 15 LESS 18' OFF E SIDE ORB 4129 P 456 BLK 6
Legal Range14W
Legal Township04S
Legal Section10
Legal SubdivisionWELCH ADD
Legal Block6
Legal Lot Number15
JurisdictionBAY FL
Census Block Group1
Census Block1042
Census Tract1800

Owner

Source: Bay County records, as of November 6, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address2203 E 3RD ST, PANAMA CITY, FL 32401-4833
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 31, 2019Warranty Deed, Transfer
MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC
May 31, 2019Correction Deed
MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC
Mar 25, 2019Warranty Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 31, 2019 · Amount on Record
Deed SaleMay 31, 2019 · Amount on Record
Deed Document Number2019051714
Deed Book / Page4129 / 0456
Record UpdatedJun 7, 2026

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 31, 2019
Property Address2209 E 3RD ST, PANAMA CITY, FL 32401-4833
Document Number0041290456
Book / Page004129 / 000456
Instrument DateMay 24, 2019
Instrument51714
Transaction TypeTransfer
Record UpdatedJun 20, 2019
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

AmountAmount Recorded
Tax$157.15
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2203 E 3RD ST #K PANAMA CITY FL 324014833, K, PANAMA CITY, FL 32401-4833

May 2019: Correction Deed

Document TypeCorrection Deed
JurisdictionBAY FL
Recording DateMay 31, 2019
Property Address2209 E 3RD ST, PANAMA CITY, FL 32401-4833
Document Number0041290454
Book / Page004129 / 000454
Instrument DateApr 15, 2019
Instrument51713
Record UpdatedJun 20, 2019
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address919 SCHOOL AVE PANAMA CITY FL 324015154, PANAMA CITY, FL 32401-5154

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 25, 2019
Property Address2209 E 3RD ST, PANAMA CITY, FL 32401-4833
Document Number0041041292
Book / Page004104 / 001292
Instrument DateNov 2, 2010
Instrument30907
Transaction TypeTransfer
Record UpdatedApr 10, 2019
Title CompanyNOT AVAILABLE

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2022

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2022$314.00$21,019 Land $21,019$21,019 Land $21,019

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 19 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies47 units insured
incl. 28 condo units
Nearby Flood Claims19 (1979–2021)
Claims Outside the SFHA13 of 19
Most Recent ClaimOct 2021 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 6 claims
  • Hurricane Opal, Oct 1995 · 3 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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