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3012 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3012 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,108 sqft · built 1940
Lot Size0.142 acres (6,185 sqft)
OwnerIndividual Name on File
Last Sale$205,000 (Apr 2024)
Tax Bill$2,737 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
May 2023 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN24080-000-000

Property Details

APN / Parcel Number

Primary APN24080-000-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,108 sqft Living Area
1st Floor Area1,108 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1990
Exterior MaterialAsbestos
Roof TypeGable/Hip
Roof MaterialOther
Lot Area6,185 sqft (0.142 acres)
Lot Dimensions100 ft deep x 62 ft wide
PorchUnfinished Open Porch
Porch Area205 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3012 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-5406
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKEITHS BAY HARBOR ADD (12.7) LOTS 10,11, & E1/2 LOT 9 ORB 4787 P 1188 BLK 3 MAP 118C3
Legal Range14W
Legal Township04S
Legal Section11
Legal SubdivisionKEITHS BAY HARBOR ADD
Legal Block3
Legal Lot Number9,10
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1033
Census Tract1800

Owner

Source: Bay County records · APN 24080-000-000

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 RecordIndividual Name on File
Mailing Address1308 PINNACLE PINES RD, PANAMA CITY, FL 32404-5814
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Apr 01, 2024Warranty Deed, Transfer · FHA Mortgage
TRUSTMARK NATIONAL BANK
May 18, 2023Deed of Trust, Mortgage · Line of Credit
ALL IN FCU
Dec 11, 2019Deed of Trust, Mortgage
GNP LLC
Mar 19, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 01, 2024 · Amount on Record
Deed SaleApr 01, 2024 · Amount on Record
Prior SaleApr 04, 2018 · Amount on Record
Deed Document Number202418162
Deed Book / Page4787 / 1188
Prior Transfer DateFeb 28, 2018
Prior Transfer Doc0039891277
Record UpdatedJun 08, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 01, 2024
Property Address3012 E 3RD ST, PANAMA CITY, FL 32401-5406
Document Number0047871188
Book / Page4787 / 1188
Map ReferenceMB 1 PG 74
Instrument DateMar 28, 2024
Instrument2024018162
Transaction TypeTransfer
Record UpdatedApr 29, 2024
Title CompanyFLORIDA LEGAL TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,435.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1168 ENON RD, WEBB, AL 36376-5824

Transferred To (Grantee/Buyer)

NameVerified Name
Address1308 PINNACLE PINES RD, PANAMA CITY, FL 32404-5814

Mortgage

Document Number0047871190
DateApr 01, 2024
Instrument4787/1190
Lender
NameTRUSTMARK NATIONAL BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2054

Mortgage

Document Number0047871205
DateApr 01, 2024
Book Page4787/1205
Instrument2024018164
Lender
NameCITY OF PANAMA CITY
TypeGovernment Agency
Agreement
AmountAmount Recorded

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address3012 E 3RD ST, PANAMA CITY, FL 32401-5406
Transaction TypeMortgage
Record UpdatedJan 15, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3012 E 3RD ST, PANAMA CITY, FL 32401-5406

Mortgage

Document Number0046900561
DateMay 18, 2023
Book Page4690/561
Instrument2023030837
Lender
NameALL IN FCU
TypeCredit Union
AddressDALEVILLE, AL 36322
Agreement
TypeLine of Credit
AmountAmount Recorded
Term264 Months
DueMay 21, 2045
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address3012 E 3RD ST, PANAMA CITY, FL 32401-5406
Document Number0042000681
Instrument DateDec 11, 2019
Transaction TypeMortgage
Record UpdatedJan 03, 2020
Title CompanyFIRST INT'L TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 35206 PANAMA CITY FL 324125206, PANAMA CITY, FL 32412-5206

Mortgage

Document Number0042000681
DateDec 11, 2019
Book Page004200/000681
Instrument105273
Lender
NameGNP LLC
Address4309 W 17TH ST, PANAMA CITY BEACH, FL 32401-1124
Agreement
AmountAmount Recorded
Term180 Months
DueDec 10, 2034

March 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateMar 19, 2018
Property Address3012 E 3RD ST, PANAMA CITY, FL 32401-5406
Document Number0039891282
Book / Page003989 / 001282
Instrument DateFeb 28, 2018
Instrument15591
Transaction TypeTransfer
Record UpdatedApr 26, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5715 HIGHWAY 85 N #1710 CRESTVIEW FL 325369003, 1710, CRESTVIEW, FL 32536-9003

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$2,737.00 (+130.97%)$173,350 (+120.84%) Land $20,719 Building $152,631$173,350 (+120.84%) Land $20,719 Building $152,631
2024$1,185.00 (+10.34%)
2023$1,074.00 (+38.94%)$78,497 (+121.82%) Land $14,184 Building $64,313$78,497 (+121.82%) Land $14,184 Building $64,313
2022$773.00$35,387 Land $11,687 Building $23,700$35,387 Land $11,687 Building $23,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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