2403 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2403 E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,444 sqft · built 2004
Lot Size	0.309 acres (13,460 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,078 (2025)
Deeds & Mortgages	Sep 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`22587-000-000`

Property Details

APN / Parcel Number

Primary APN	`22587-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,444 sqft Living Area
Gross Area	1,994 sqft
1st Floor Area	1,444 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,460 sqft (0.309 acres)
Lot Dimensions	150 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	550 sqft
Driveway	Brick Driveway
Driveway Area	224 sqft
Porch	Open Porch
Porch Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2403 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-4837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU1
Legal Description	WELCH ADD MAP 105D1 W1/2 LOT 13 BLK 8 LESS TH N 10 ORB 3940 P 463
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	WELCH ADD
Legal Block	8
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1040
Census Tract	1800

Owner

Source: Bay County records · APN 22587-000-000

Assessment roll updated January 5, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2403 E 3RD ST, PANAMA CITY, FL 32401-4837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Sep 25, 2017
Transfer Doc	0039400463
Record Updated	Jun 08, 2026

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 26, 2017
Property Address	2403 E 3RD ST, PANAMA CITY, FL 32401-4837
Document Number	0039400463
Book / Page	003940 / 000463
Instrument Date	Sep 25, 2017
Instrument	55204
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2403 E 3RD ST PANAMA CITY BEACH FL 324014837, PANAMA CITY BEACH, FL 32401-4837

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 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	$1,078.00 (+5.69%) Homeowner's exemption Additional exemption filed	$143,451 (+5.99%)	$165,360 (+7.87%) Land $34,650 Building $130,710
2024	$1,020.00 (-20.31%)
2023	$1,280.00 (+0.87%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$135,348 (+3%)	$153,290 (+12.71%) Land $27,000 Building $126,290
2022	$1,269.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$131,406	$136,009 Land $20,250 Building $115,759

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), as of September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050018001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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, water system FL1030517, 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.