Bay County property record for 2409 E 3rd St, Panama City, FL 32401 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,310 sqft · built 1945 |
| Lot Size | 0.192 acres (8,407 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Nov 2024) |
| Tax Bill | $2,509 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22476-000-000 |
| Primary APN | 22476-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,310 sqft Heated Area |
| Gross Area | 1,614 sqft |
| 1st Floor Area | 1,310 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,407 sqft (0.192 acres) |
| Lot Dimensions | 65 ft deep x 130 ft wide |
| Garage Area | 252 sqft |
| Porch | Porch |
| Porch Area | 60 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2409 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 3 ORB 4860 P 1059 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | RANDALL GRAYS ADD REP |
| Legal Lot Number | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 1800 |
Source: Bay County records · APN 22476-000-000
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 | 2409 E 3RD ST, PANAMA CITY, FL 32401-4837 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 18, 2024 · Amount on Record |
| Deed Sale | Nov 18, 2024 · Amount on Record |
| Deed Document Number | 2024067468 |
| Deed Book / Page | 4860 / 1059 |
| Record Updated | Jun 08, 2026 |
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 | $2,509.00 (+618.91%) | $158,900 (+226.18%) Land $34,534 Building $124,366 | $158,900 (+65.81%) Land $34,534 Building $124,366 |
| 2023 | $349.00 (-8.64%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $48,715 (+3%) | $95,832 (+15.77%) Land $26,910 Building $68,922 |
| 2022 | $382.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $47,296 | $82,779 Land $20,182 Building $62,597 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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; lenders make the official flood determination.
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