Bay County property record for 2331 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,338 sqft · built 2023 |
| Lot Size | 0.158 acres (6,926 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Sep 2023) |
| Tax Bill | $3,117 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Jan 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22562-000-000 |
| Primary APN | 22562-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,338 sqft Heated Area |
| Gross Area | 1,710 sqft |
| 1st Floor Area | 2,558 sqft |
| 2nd Floor Area | 1,290 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,926 sqft (0.158 acres) |
| Lot Dimensions | 94 ft deep x 74 ft wide |
| Driveway | Driveway |
| Driveway Area | 216 sqft |
| Porch | Porch |
| Porch Area | 207 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2331 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELCH ADD S1/2 OF LOT 13 & S1/2 OF E 32' OF LOT 14 BLK 7 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | WELCH ADD |
| Legal Block | 7 |
| Legal Lot Number | 13,14 |
| 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 23, 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 | 2331 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Jan 12, 2023 | Deed of Trust, Mortgage · Line of Credit PANHANDLE CU |
| Jan 5, 2023 | Warranty Deed, Transfer ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Jul 20, 2022 | Warranty Deed, Transfer ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2023 · Amount on Record |
| Deed Sale | Sep 18, 2023 · Amount on Record |
| Prior Sale | Jan 5, 2023 |
| Deed Document Number | 2023059079 |
| Deed Book / Page | 4731 / 1036 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 18, 2023 |
| Property Address | 2331 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Document Number | 0047311036 |
| Book / Page | 4731 / 1036 |
| Map Reference | MB 4 PG 39 |
| Instrument Date | Sep 15, 2023 |
| Instrument | 2023059079 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | ANCHOR TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8200 PALM COVE BLVD, PANAMA CITY BEACH, FL 32408-5205 |
| Name | Verified Name |
|---|---|
| Address | 2331 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Document Number | 0047311038 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 4731/1038 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Number | 0047311059 |
|---|---|
| Date | Sep 18, 2023 |
| Book Page | 4731/1059 |
| Instrument | 2023059081 |
| Name | CITY OF PANAMA CITY |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2331 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 8200 PALM COVE BLVD, PANAMA CITY BEACH, FL 32408-5205 |
| Document Number | 0046472248 |
|---|---|
| Date | Jan 12, 2023 |
| Book Page | 4647/2248 |
| Instrument | 2023002210 |
| Name | PANHANDLE CU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32405 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 12, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 5, 2023 |
| Property Address | 2331 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Document Number | 0046452168 |
| Book / Page | 4645 / 2168 |
| Map Reference | MB 4 PG 39 |
| Instrument Date | Jan 4, 2023 |
| Instrument | 2023000691 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2023 |
| Title Company | ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1700 S HAIRSTON RD, STONE MOUNTAIN, GA 30088-3619 |
| Name | Verified Name |
|---|---|
| Address | 8200 PALM COVE BLVD, PANAMA CITY BEACH, FL 32408-5205 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 20, 2022 |
| Property Address | 2331 E 3RD ST, PANAMA CITY, FL 32401-4835 |
| Document Number | 0045900434 |
| Book / Page | 4590 / 434 |
| Map Reference | MB 4 PG 39 |
| Instrument Date | Jul 20, 2022 |
| Instrument | 2022054141 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Title Company | ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1770 S HAIRSTON RD, 1770, STONE MOUNTAIN, GA 30088-3619 |
| Name | Verified Name |
|---|---|
| Address | 8200 PALM COVE BLVD, PANAMA CITY BEACH, FL 32408-5205 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,117.00 (+533.54%) Homeowner's exemption | $239,448 (+1,199.51%) | $243,786 (+1,223.05%) Land $23,647 Building $220,139 |
| 2023 | $492.00 (-3.91%) | $18,426 (-9.73%) Land $18,426 | $18,426 (-9.73%) Land $18,426 |
| 2022 | $512.00 | $20,412 Land $20,412 | $20,412 Land $20,412 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| 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 |
|
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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