Bay County property record for 2413 E 3rd St, Panama City, FL 32401
| Property Type | Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 738 sqft · built 1930 |
| Lot Size | 0.191 acres (8,319 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Dec 2022) |
| Tax Bill | $255 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22586-000-000 |
| Primary APN | 22586-000-000 |
|---|
| 1st Floor Area | 738 sqft |
|---|
| Lot Area | 8,319 sqft (0.191 acres) |
|---|---|
| Lot Dimensions | 104 ft deep x 80 ft wide |
| Porch | Porch |
| Porch Area | 98 sqft |
| Street Address | 2413 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4837 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | MU1 |
| Legal Description | WELCH ADD NE1/4 LOT 13 LESS S 25 BLK 8 ORB 4636 P 1997 MAP 105D1 |
| 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 |
Source: Bay County records, as of January 5, 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 Record |
|---|---|
| Mailing Address | 2405 E 3RD ST, PANAMA CITY, FL 32401-4837 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2022 · Amount on Record |
| Deed Sale | Dec 5, 2022 · Amount on Record |
| Deed Document Number | 202286440 |
| Deed Book / Page | 4636 / 1997 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 5, 2022 |
| Property Address | 2413 E 3RD ST, PANAMA CITY, FL 32401-4837 |
| Document Number | 0046361997 |
| Book / Page | 4636 / 1997 |
| Map Reference | MB 7 PG 10 |
| Instrument Date | Dec 2, 2022 |
| Instrument | 2022086440 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| 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 5, 2022 |
| Instrument | 4636/1999 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $255.00 (+2.41%) | $15,685 (+17.33%) | $17,149 (+28.28%) Land $17,149 |
| 2024 | $249.00 (-39.42%) | ||
| 2023 | $411.00 (+15.13%) | $13,368 (+33.33%) Land $13,368 | $13,368 (+33.33%) Land $13,368 |
| 2022 | $357.00 | $10,026 Land $10,026 | $10,026 Land $10,026 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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