242 E 3rd Pl, Panama City, FL 32401 Property Records

Bay County property record for 242 E 3rd Pl, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,764 sqft · built 2003
Lot Size	0.585 acres (25,482 sqft)
Owner	2 Company Names on Record
Last Sale	$430,000 (Jul 2021)
Tax Bill	$4,998 (2025)
Deeds & Mortgages	Apr 2024 Transfer Jul 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`20169-020-000`

Property Details

APN / Parcel Number

Primary APN	`20169-020-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,764 sqft Living Area
Gross Area	3,140 sqft
1st Floor Area	664 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Architectural Style	Townhouse
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	25,482 sqft (0.585 acres)
Garage Type	Attached
Garage Area	376 sqft
Driveway	Driveway
Driveway Area	416 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	656 sqft
Deck Area	220 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	242 E 3RD PL
City	PANAMA CITY
State	FL
Zip	32401-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC05
Legal Description	DAVIS PLAT COM AT NE COR BLK B ON E SIDE OF MASSALINA BAYOU S 120 TO SE COR BLK B & N R/W 3RD PL W 108.4 FOR POB TH CONT W 22.11 N 89.09 E 5 S 6 E 17.11 S 83.09 TO POB AKA UNIT #2 ORB 4795 P 441
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	DAVIS PLAT
Legal Block	B,N
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1000
Census Tract	1900

Owner

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	2 Company Names on Record
Mailing Address	242 E 3RD PL, PANAMA CITY, FL 32401-3237
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Jul 14, 2004 · Amount on Record
Deed Document Number	202158500
Deed Book / Page	4440 / 2065
Last Transfer Date	Apr 17, 2024
Transfer Doc	0047950441
Record Updated	Jun 8, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Apr 23, 2024
Property Address	242 E 3RD PL, PANAMA CITY, FL 32401-3237
Document Number	0047950441
Book / Page	4795 / 441
Instrument Date	Apr 17, 2024
Instrument	2024023580
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	242 E 3RD PL, PANAMA CITY, FL 32401-3237

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	242 E 3RD PL, PANAMA CITY, FL 32401-3237

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 30, 2021
Property Address	242 E 3RD PL, PANAMA CITY, FL 32401-3237
Document Number	0044402065
Book / Page	4440 / 2065
Instrument Date	Jul 28, 2021
Instrument	2021058500
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 MARIGOLD LN, 201, DOTHAN, AL 36305-5903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2100 W BEACH DR APT E101, E101, PANAMA CITY, FL 32401-1602

Mortgage

Document Number	44402067
Date	Jul 30, 2021
Instrument	4440/2067

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,998.00 (+0.2%) Homeowner's exemption	$358,535 (+5.99%)	$408,480 (+8.02%) Land $68,200 Building $340,280
2024	$4,988.00 (-6.22%)
2023	$5,319.00 (+9.15%) Homeowner's exemption	$338,283 (+3%)	$378,160 (+9.42%) Land $66,803 Building $311,357
2022	$4,873.00 Homeowner's exemption	$328,430	$345,606 Land $55,990 Building $289,616

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	184 units insured incl. 146 condo units
Nearby Flood Claims	75 (1982–2018)
Claims Outside the SFHA	41 of 75
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 33 claims Hurricane Opal, Oct 1995 · 37 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 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	1,000 / 75
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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