2322 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2322 E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Commercial Vacant Land
Details	10,443 sqft · built 1967
Lot Size	0.828 acres (36,111 sqft)
Owner	Company Name on File
Tax Bill	$834 (2025)
Flood Zone	Zone X (minimal risk)
APN	`22824-000-000`

Property Details

APN / Parcel Number

Primary APN	`22824-000-000`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	10,443 sqft
1st Floor Area	10,443 sqft

Exterior

Year Built	Built 1967
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Lot Area	36,111 sqft (0.828 acres)
Lot Dimensions	205 ft deep x 95 ft wide
Porch	Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2322 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-4836
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	HOLMES ADD LOTS 1,2 LESS THE SOUTH 25' OF E1/2 OF LOT 2
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	HOLMES ADD
Legal Block	4
Legal Lot Number	1,2 2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1046
Census Tract	1800

Owner

Source: Bay County records · APN 22824-000-000

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	Company Name on File
Mailing Address	PO BOX 85, PANAMA CITY, FL 32402-0085
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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	$834.00 (+321.21%)	$52,832 (+%) Land $52,832	$52,832 (+%) Land $52,832
2023	$198.00 (-4.35%) Additional exemption filed	$52,831 (-) Land $52,831	$52,831 (-) Land $52,831
2022	$207.00 Additional exemption filed	$52,831 Land $52,831	$52,831 Land $52,831

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Hurricane Michael, Oct 2018 · 6 claims Hurricane Opal, Oct 1995 · 3 claims

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 185 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.