Bay County property record for 2405 E 3rd St, Panama City, FL 32401 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,018 sqft · built 1945 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Dec 2022) |
| Tax Bill | $1,663 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22474-000-000 |
| Primary APN | 22474-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,018 sqft Heated Area |
| Gross Area | 1,102 sqft |
| 1st Floor Area | 1,018 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Lot Dimensions | 85 ft deep x 62 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 84 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2405 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RANDALL GRAY REPLAT LOT 1 & S 25' OF W 62' OF NE1/4 LOT 13 BLK 8 WELCH ADD |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | WELCH ADD |
| Legal Block | 8 |
| Legal Lot Number | 1,13 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 1800 |
Source: Bay County records · APN 22474-000-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 2405 E 3RD ST, PANAMA CITY, FL 32401-4837 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 05, 2022 · Amount on Record |
| Deed Sale | Dec 05, 2022 · Amount on Record |
| Deed Document Number | 2022086440 |
| Deed Book / Page | 4636 / 1997 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 05, 2022 |
| Property Address | 2405 E 3RD ST, PANAMA CITY, FL 32401-4837 |
| Document Number | 0046361997 |
| Book / Page | 4636 / 1997 |
| Map Reference | MB 7 PG 10 |
| Instrument Date | Dec 02, 2022 |
| Instrument | 2022086440 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6829 HIGHWAY 2311, PANAMA CITY, FL 32404-4264 |
| Name | Verified Name |
|---|---|
| Address | 712 W 19TH ST, PANAMA CITY, FL 32405-4101 |
| Document Number | 0046361999 |
|---|---|
| Date | Dec 05, 2022 |
| Instrument | 4636/1999 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Number | 0046362020 |
|---|---|
| Date | Dec 05, 2022 |
| Book Page | 4636/2020 |
| Instrument | 2022086442 |
| Name | BAY COUNTY BOARD OF COUNTY COMMISSIONERS |
|---|---|
| Type | Government Agency |
| Address | PANAMA CITY, FL 32401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,663.00 (-7.2%) Homeowner's exemption Widower's exemption | $152,379 (+2.3%) | $158,642 (+6.51%) Land $18,857 Building $139,785 |
| 2023 | $1,792.00 (+128.57%) Homeowner's exemption Widower's exemption | $148,949 (+313.52%) Land $14,694 Building $134,255 | $148,949 (+313.52%) Land $14,694 Building $134,255 |
| 2022 | $784.00 | $36,020 Land $11,020 Building $25,000 | $36,020 Land $11,020 Building $25,000 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050018001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 19 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 units insured (28 under condo master policies) 8 of 19 individual policies on primary residences |
| Nearby Flood Claims | 19 (1979–2021) |
| Claims Outside the SFHA | 13 of 19 |
| Most Recent Claim | Oct 2021, rainfall accumulation |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures