Bay County property record for 2412 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 972 sqft · built 1932 |
| Lot Size | 0.455 acres (19,863 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $50,000 (Jan 2007) |
| Tax Bill | $883 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22817-000-000 |
| Primary APN | 22817-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 972 sqft Heated Area |
| Gross Area | 1,070 sqft |
| 1st Floor Area | 972 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 19,863 sqft (0.455 acres) |
| Lot Dimensions | 205 ft deep x 97 ft wide |
| Porch | Porch |
| Porch Area | 162 sqft |
| Fence | Fence |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2412 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLMES ADD W1/2 LOTS 1 & 2 BLK 3 ORB 1999 P 1923 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | HOLMES ADD |
| Legal Block | 3 |
| Legal Lot Number | 1,2 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1047 |
| 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 | Owner Name on Record |
|---|---|
| Mailing Address | 909 CYPRESS AVE, PANAMA CITY, FL 32401-4253 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2007 · Amount on Record |
| Deed Sale | Jan 9, 2007 · Amount on Record |
| Deed Document Number | 2007-001849 |
| Deed Book / Page | 2873 / 1198 |
| Record Updated | Jun 8, 2026 |
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 | $883.00 (-19.65%) | $74,095 (+10.73%) Land $28,233 Building $45,862 | $74,095 (+10.73%) Land $28,233 Building $45,862 |
| 2024 | $1,099.00 (+10.56%) | $66,913 (+1.3%) Land $23,466 Building $43,447 | $66,913 (+1.3%) Land $23,466 Building $43,447 |
| 2023 | $994.00 (+30.45%) | $66,053 (+88.2%) Land $21,999 Building $44,054 | $66,053 (+88.2%) Land $21,999 Building $44,054 |
| 2022 | $762.00 | $35,098 Land $16,499 Building $18,599 | $35,098 Land $16,499 Building $18,599 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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