2601 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2601 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Residential Vacant Land
Details	4 bd · 2.5 ba · 3,653 sqft · built 1922
Lot Size	0.262 acres (11,413 sqft)
Owner	Individual Name on File
Last Sale	$23,600 (Aug 2023)
Tax Bill	$512 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22453-000-000`

Property Details

APN / Parcel Number

Primary APN	`22453-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Stories	2 Stories
Building Area	3,653 sqft
1st Floor Area	2,365 sqft
2nd Floor Area	448 sqft

Exterior

Year Built	Built 1922
Exterior Material	Concrete Block
Lot Area	11,413 sqft (0.262 acres)
Lot Dimensions	119 ft deep x 96 ft wide
Porch	Porch
Porch Area	655 sqft
Patio Area	262 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2601 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5470
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	GRAYS PLAT BEG SW COR LOT 21 BLK-B W.B. GRAY'S PLAT TH N 119' E 96.18'
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	GRAYS PLAT
Legal Block	B
Legal Lot Number	21
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1038
Census Tract	1800

Owner

Source: Bay County records · APN 22453-000-000

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
Co-owner	Verified Secondary Owner
Mailing Address	2611 E 3RD ST, PANAMA CITY, FL 32401-5470
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 15, 2023 · Amount on Record
Deed Sale	Aug 15, 2023 · Amount on Record
Deed Document Number	2023051478
Deed Book / Page	4720 / 1025
Record Updated	Jun 08, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 15, 2023
Property Address	2601 E 3RD ST, PANAMA CITY, FL 32401-5470
Document Number	0047201025
Book / Page	4720 / 1025
Instrument Date	Aug 11, 2023
Instrument	2023051478
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$165.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4950 TIMBERLANE RD, BASCOM, FL 32423-9444

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2611 E 3RD ST, PANAMA CITY, FL 32401-5470

Mortgage

Document Number	0047201027
Date	Aug 15, 2023
Instrument	4720/1027

Lender

Name	BRENDA BENNETT
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Sep 01, 2028

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$512.00 (-11.11%)	$34,374 (+28.34%) Land $34,373 Building $1	$34,374 (+28.34%) Land $34,373 Building $1
2023	$576.00 (+13.61%)	$26,784 (+33.33%) Land $26,784	$26,784 (+33.33%) Land $26,784
2022	$507.00	$20,088 Land $20,088	$20,088 Land $20,088

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 19 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 units insured 28 under condo master policies
Nearby Flood Claims	19 (1979–2021)
Claims Outside the SFHA	13 of 19
Most Recent Claim	Oct 2021, rainfall accumulation
Claims By Storm	Hurricane Michael, Oct 2018 · 6 claims Hurricane Opal, Oct 1995 · 3 claims

Wildfire

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; 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 318 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

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