Bay County property record for 2309 E 3rd St, Panama City, FL 32401 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,064 sqft · built 1935 |
| Lot Size | 0.248 acres (10,846 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $52,000 (Apr 2008) |
| Tax Bill | $1,353 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22566-000-000 |
| Primary APN | 22566-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,064 sqft Heated Area |
| Gross Area | 1,384 sqft |
| 1st Floor Area | 1,464 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,846 sqft (0.248 acres) |
| Lot Dimensions | 209 ft deep x 52 ft wide |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 410 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2309 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELCH ADD LOT 18 BLK 7 ORB 2874 P 2184 ORB 3039 P 379 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | WELCH ADD |
| Legal Block | 7 |
| Legal Lot Number | 18 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 1800 |
Source: Bay County records · APN 22566-000-000
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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 1910 W BEACH DR, PANAMA CITY, FL 32401-1932 |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 08, 2008 · Amount on Record |
| Deed Sale | Apr 08, 2008 · Amount on Record |
| Deed Document Number | 2008019803 |
| Deed Book / Page | 3039 / 0379 |
| Record Updated | Jun 08, 2026 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
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 | $1,353.00 (-7.33%) | $118,951 (+7.54%) Land $21,622 Building $97,329 | $118,951 (+7.54%) Land $21,622 Building $97,329 |
| 2023 | $1,460.00 (+43.14%) | $110,615 (+119.93%) Land $16,848 Building $93,767 | $110,615 (+119.93%) Land $16,848 Building $93,767 |
| 2022 | $1,020.00 | $50,295 Land $12,636 Building $37,659 | $50,295 Land $12,636 Building $37,659 |
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
| 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 |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 185 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 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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