1. Home
  2. Florida
  3. Bay County
  4. Panama City
  5. E 3rd St

2408 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2408 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 720 sqft · built 1920
Lot Size0.135 acres (5,924 sqft)
OwnerIndividual Name on File
Last Sale$65,100 (Jun 2022)
Tax Bill$1,017 (2025)
Deeds & MortgagesJun 2022 Sale
Flood ZoneZone X (minimal risk)
APN22822-020-000

Property Details

APN / Parcel Number

Primary APN22822-020-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area720 sqft Heated Area
Gross Area790 sqft
1st Floor Area720 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 2010
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,924 sqft (0.135 acres)
Lot Dimensions110 ft deep x 54 ft wide
PorchPorch
Porch Area70 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemHVAC

Location & Zoning

Street Address2408 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-4838
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOLMES ADD BEG NE COR LOT 10 TH S 110' W 54' N 110' E 54'TO POB
Legal Range14W
Legal Township04S
Legal Section10
Legal SubdivisionHOLMES ADD
Legal Block3
Legal Lot Number10
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1047
Census Tract1800

Owner

Source: Bay County records · APN 22822-020-000

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1105 REBEKAH LN, COLUMBIA, TN 38401-6709
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 14, 2022 · Amount on Record
Deed SaleJun 14, 2022 · Amount on Record
Prior SaleJun 25, 2001
Deed Document Number2022044731
Deed Book / Page4576 / 1070
Record UpdatedJun 08, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 14, 2022
Property Address2408 E 3RD ST, PANAMA CITY, FL 32401-4838
Document Number0045761070
Book / Page4576 / 1070
Instrument DateJun 10, 2022
Instrument2022044731
Transaction TypeTransfer
Record UpdatedJun 30, 2022
Title CompanyCORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

AmountAmount Recorded
Tax$455.70
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5125 LANCE ST, 5125, PANAMA CITY, FL 32404-6916

Transferred To (Grantee/Buyer)

NameVerified Name
Address1105 REBEKAH LN, COLUMBIA, TN 38401-6709

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,017.00 (-13.23%)$64,443 (+9.46%) Land $18,503 Building $45,940$64,443 (+9.46%) Land $18,503 Building $45,940
2023$1,172.00 (+384.3%)$58,875 (+122.04%) Land $14,418 Building $44,457$58,875 (+8%) Land $14,418 Building $44,457
2022$242.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed$26,515$32,709 Land $10,813 Building $21,896

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies47 units insured
28 under condo master policies
Nearby Flood Claims19 (1979–2021)
Claims Outside the SFHA13 of 19
Most Recent ClaimOct 2021, rainfall accumulation
Claims By Storm
  • Hurricane Michael, Oct 2018 · 6 claims
  • Hurricane Opal, Oct 1995 · 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 185 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
WOW Internet, Cable & PhoneCable1,200 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on E 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures