2611A E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 2611A E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,294 sqft · built 1925
Lot Size	0.235 acres (10,237 sqft)
Owner	Owner Name on Record
Last Sale	$66,500 (Mar 2012)
Tax Bill	$1,741 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22451-000-000`

Property Details

APN / Parcel Number

Primary APN	`22451-000-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,294 sqft Heated Area
Gross Area	1,554 sqft
1st Floor Area	1,969 sqft
2nd Floor Area	1,350 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	10,237 sqft (0.235 acres)
Lot Dimensions	90 ft deep x 114 ft wide
Garage Type	Detached
Garage Area	675 sqft

Exterior Amenities

Porch	Porch
Porch Area	435 sqft
Fence	Fence
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2611A E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5470
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAY'S PLAT LOT 20 LESS W 6' 2 -AND- PT OF LOT 21 DESCR AS: BEG 96' 2
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	WB GRAY
Legal Block	B
Legal Lot Number	20,21
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1038
Census Tract	1800

Owner

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	2611 E 3RD ST, PANAMA CITY, FL 32401-5470
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2012 · Amount on Record
Deed Sale	Mar 2, 2012 · Amount on Record
Prior Sale	Mar 2, 2012
Deed Document Number	2012011105
Deed Book / Page	3390 / 0506
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2611A E 3RD ST, PANAMA CITY, FL 32401-5470
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2611 E 3RD ST A, A, PANAMA CITY, FL 32401-5470

Mortgage

Document Number	0045231805
Date	Feb 15, 2022
Book Page	4523/1805
Instrument	2022010848

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$1,741.00 (+47.54%)	$110,594 (+12.08%) Land $35,551 Building $75,043	$110,594 (+12.08%) Land $35,551 Building $75,043
2023	$1,180.00 (-3.67%) Homeowner's exemption	$98,671 (+55.62%) Land $27,702 Building $70,969	$98,671 (+55.62%) Land $27,702 Building $70,969
2022	$1,225.00	$63,405 Land $20,776 Building $42,629	$63,405 Land $20,776 Building $42,629

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 minimal risk
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	Hurricane Michael, Oct 2018 · 6 claims Hurricane Opal, Oct 1995 · 3 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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 318 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
AT&T Fixed Wireless	100 / 20