Bay County property record for 2712 E 3rd St, Panama City, FL 32401 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,457 sqft · built 1940 |
| Lot Size | 0.321 acres (13,982 sqft) |
| Owner | Individual Name on File |
| Last Sale | $30,000 (Jan 2014) |
| Tax Bill | $1,148 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 24054-000-000 |
| Primary APN | 24054-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,457 sqft Living Area |
| Gross Area | 1,745 sqft |
| 1st Floor Area | 1,338 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Shingles |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,982 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Driveway | Driveway |
| Porch | Florida Room |
| Porch Area | 311 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2712 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEITHS BAY HARBOR ADD LOTS 4,5,6,7 BLK 1 ORB 3580 P 400 MAP 118C3 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | KEITHS BAY HARBOR ADD |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 1800 |
Source: Bay County records · APN 24054-000-000
Assessment roll updated January 5, 2026 · Last verified April 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 |
|---|---|
| Mailing Address | 5115 DEEP BAYOU DR, PANAMA CITY, FL 32404-5283 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 23, 2014 · Amount on Record |
| Deed Sale | Jan 23, 2014 · Amount on Record |
| Deed Document Number | 20143748 |
| Deed Book / Page | 3580 / 400 |
| Prior Transfer Date | Jan 20, 2014 |
| Prior Transfer Doc | 0035800400 |
| Record Updated | Jun 08, 2026 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
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 | $1,148.00 (-14.65%) | $70,267 (+11.57%) | $77,580 (+23.18%) Land $38,220 Building $39,360 |
| 2024 | $1,345.00 (+11.62%) | ||
| 2023 | $1,205.00 (+15.87%) | $62,981 (+14.9%) Land $26,166 Building $36,815 | $62,981 (+14.9%) Land $26,166 Building $36,815 |
| 2022 | $1,040.00 | $54,812 Land $21,560 Building $33,252 | $54,812 Land $21,560 Building $33,252 |
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
| 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 |
|
| Wildfire Risk | Low above 2% of the US · above 2% of Florida |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: 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.
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