Bay County property record for 2806 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 2022 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Aug 2022) |
| Tax Bill | $3,122 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 24068-000-000 |
| Primary APN | 24068-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,200 sqft Heated Area |
| Gross Area | 1,300 sqft |
| 1st Floor Area | 832 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 388 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2806 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | KEITHS BAY HARBOR ADD LOTS 3,4 BLK 2 MAP 118C3 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | HARBOR ADD |
| Legal Block | 2 |
| Legal Lot Number | 3,4 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 1800 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2806 E 3RD ST, PANAMA CITY, FL 32401-5445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 2, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2022 · Amount on Record |
| Deed Sale | Aug 26, 2022 · Amount on Record |
| Prior Sale | Dec 2, 2020 · Amount on Record |
| Deed Document Number | 0046031650 |
| Deed Book / Page | 4603 / 1650 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 26, 2022 |
| Property Address | 2806 E 3RD ST, PANAMA CITY, FL 32401-5445 |
| Document Number | 0046031650 |
| Book / Page | 4603 / 1650 |
| Map Reference | MB 1 PG 74 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022063806 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | OMEGA TITLE FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7211 BAY CREST RD, PANAMA CITY, FL 32409-4506 |
| Name | Verified Name |
|---|---|
| Address | 2806 E 3RD ST, PANAMA CITY, FL 32401-5445 |
| Investor | Possibly a Property Investor |
| Document Number | 0046031652 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 4603/1652 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 2, 2020 |
| Property Address | 2806 E 3RD ST, PANAMA CITY, FL 32401-5445 |
| Document Number | 0043311816 |
| Book / Page | 004331 / 001816 |
| Instrument Date | Dec 1, 2020 |
| Instrument | 81201 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3822A 215TH ST PANAMA CITY FL 32404, PANAMA CITY, FL 32404 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,122.00 (+1.4%) | $197,698 (+9.4%) Land $19,110 Building $178,588 | $197,698 (+9.4%) Land $19,110 Building $178,588 |
| 2023 | $3,079.00 (+732.16%) | $180,706 (+1,560.9%) Land $13,083 Building $167,623 | $180,706 (+1,560.9%) Land $13,083 Building $167,623 |
| 2022 | $370.00 | $10,880 Land $10,780 Building $100 | $10,880 Land $10,780 Building $100 |
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 |
|---|---|
| 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 | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
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