Bay County property record for 2321 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,344 sqft · built 1908 |
| Lot Size | 0.343 acres (14,941 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $39,900 (Aug 2012) |
| Tax Bill | $563 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22563-000-000 |
| Primary APN | 22563-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Gross Area | 1,872 sqft |
| 1st Floor Area | 1,344 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,941 sqft (0.343 acres) |
| Lot Dimensions | 208 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 253 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2321 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 14 LESS E 32 & ALL OF LOT 15 BLK 7 WILL #7 P 611--ORB 379 P 54 ORB 3436 P 123 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | WELCH ADD |
| Legal Block | 7 |
| Legal Lot Number | 14,15 |
| 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 2321 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2012 · Amount on Record |
| Deed Sale | Aug 24, 2012 · Amount on Record |
| Prior Sale | Aug 11, 2005 · Amount on Record |
| Deed Document Number | 201246394 |
| Deed Book / Page | 3436 / 123 |
| Last Transfer Date | Aug 15, 2025 |
| Transfer Doc | 0049460067 |
| Record Updated | Jun 8, 2026 |
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 | $563.00 (-17.81%) Homeowner's exemption | $77,713 (+5.99%) | $96,140 (+11.5%) Land $29,938 Building $66,202 |
| 2024 | $685.00 (-6.93%) | ||
| 2023 | $736.00 (-6.84%) Homeowner's exemption | $73,322 (+3%) | $86,227 (+15.58%) Land $23,328 Building $62,899 |
| 2022 | $790.00 Homeowner's exemption | $71,186 | $74,605 Land $17,496 Building $57,109 |
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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