3100 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 3100 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 708 sqft · built 1952
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Jun 2020)
Tax Bill	$819 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23908-000-000`

Property Details

APN / Parcel Number

Primary APN	`23908-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	708 sqft Heated Area
Gross Area	816 sqft
1st Floor Area	708 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,473 sqft (0.469 acres)
Lot Dimensions	160 ft deep x 128 ft wide
Porch	Porch
Porch Area	108 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air

Location & Zoning

Street Address	3100 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-5635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRINGFIELD PLAT LOTS 9,10 BLK 17 ORB 4258 P 2115
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	SPRINGFIELD
Legal Block	17
Legal Lot Number	9,10 10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2042
Census Tract	1000

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	Individual Name on Record
Mailing Address	521 E BEACH DR, PANAMA CITY, FL 32401-3247
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2020 · Amount on Record
Deed Sale	Jun 4, 2020 · Amount on Record
Prior Sale	Aug 31, 2010 · Amount on Record
Deed Document Number	0042582115
Deed Book / Page	4258 / 2115
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 4, 2020
Property Address	3100 E 2ND ST, PANAMA CITY, FL 32401-5635
Document Number	0042582115
Book / Page	004258 / 002115
Instrument Date	Jun 4, 2020
Instrument	36201
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E BEACH DR PANAMA CITY FL 324013247, PANAMA CITY, FL 32401-3247

Mortgage

Document Number	42582117
Date	Jun 4, 2020
Book Page	004258/002117
Instrument	36202

Lender

Name	ALFIERI VICTOR TRUST (RT)
Address	418 CAMELLIA AVE, CALLAWAY, FL 32404-6001

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$819.00 (-8.49%)	$72,588 (+15.52%) Land $44,826 Building $27,762	$72,588 (+15.52%) Land $44,826 Building $27,762
2024	$895.00 (+9.82%)	$62,838 (+11.47%) Land $36,519 Building $26,319	$62,838 (+11.47%) Land $36,519 Building $26,319
2023	$815.00 (+32.95%)	$56,371 (+82.77%) Land $29,795 Building $26,576	$56,371 (+82.77%) Land $29,795 Building $26,576
2022	$613.00	$30,843 Land $27,027 Building $3,816	$30,843 Land $27,027 Building $3,816

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Nov 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2013 · 2 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Also Mapped Here	PANAMA CITY WATER SYSTEM
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 301 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 · Fiber in parts of the area	1,200 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20