Bay County property record for 2315 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,228 sqft · built 1935 |
| Lot Size | 0.249 acres (10,846 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $17,000 (Apr 2014) |
| Tax Bill | $150 (2024) |
| Deeds & Mortgages | Nov 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 22565-000-000 |
| Primary APN | 22565-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,228 sqft Living Area |
| 1st Floor Area | 1,228 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Shingles |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,846 sqft (0.249 acres) |
| Lot Dimensions | 209 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 220 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2315 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MU1 |
| Legal Description | WELCH ADD LOT 17 BLK 7 ORB 4189 P 2230 MAP 105D1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | WELCH ADD |
| Legal Block | 7 |
| Legal Lot Number | 17 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 1800 |
Source: Bay County records, as of January 5, 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 Record |
|---|---|
| Mailing Address | 2315 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2014 · Amount on Record |
| Deed Sale | Apr 22, 2014 · Amount on Record |
| Prior Sale | Feb 4, 2014 |
| Deed Document Number | 201421012 |
| Deed Book / Page | 3601 / 2069 |
| Last Transfer Date | May 6, 2019 |
| Transfer Doc | 0041892230 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 12, 2019 |
| Property Address | 2315 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Document Number | 0041892230 |
| Book / Page | 004189 / 002230 |
| Instrument Date | May 6, 2019 |
| Instrument | 97957 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2315 E 3RD ST PANAMA CITY FL 324014835, PANAMA CITY, FL 32401-4835 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $24,768 (+2.9%) | $88,894 (+8.9%) Land $21,622 Building $67,272 | |
| 2024 | $150.00 (+10.29%) Homeowner's exemption | $24,070 (+3%) | $81,626 (+0.32%) Land $17,971 Building $63,655 |
| 2023 | $136.00 (-39.56%) Homeowner's exemption | $23,369 (+3%) | $81,367 (+239.11%) Land $16,848 Building $64,519 |
| 2022 | $225.00 Homeowner's exemption | $22,688 | $23,994 Land $12,636 Building $11,358 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 units insured incl. 28 condo units |
| Nearby Flood Claims | 19 (1979–2021) |
| Claims Outside the SFHA | 13 of 19 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025
| Provider | Max 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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