Bay County property record for 3100 E 8th St, Unit A, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,719 sqft · built 2020 |
| Lot Size | 0.182 acres (7,927 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $239,000 (Nov 2021) |
| Tax Bill | $2,774 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15417-020-000 |
| Primary APN | 15417-020-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,719 sqft Living Area |
| Gross Area | 2,099 sqft |
| 1st Floor Area | 1,070 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,927 sqft (0.182 acres) |
| Lot Dimensions | 150 ft deep x 53 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Driveway | Driveway |
| Driveway Area | 532 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3100 E 8TH ST, A |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5298 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W -220.2- COM NW COR OF S1/2 OF SE1/4 OF SW1/4 TH S 50 TO S ROW OF 8TH ST TH E 104.86 FOR POB TH S 150 E 51.7 N 150 W 53.09 TO POB ORB 4446 P 354 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 1100 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3100 E 8TH ST, A, PANAMA CITY, FL 32401-5298 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2021 | Warranty Deed, Transfer · FHA Mortgage WHITNEY BANK |
| Aug 11, 2021 | Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND |
| Aug 6, 2018 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2021 · Amount on Record |
| Deed Sale | Nov 19, 2021 · Amount on Record |
| Prior Sale | Aug 11, 2021 · Amount on Record |
| Deed Document Number | 202188732 |
| Deed Book / Page | 4488 / 2095 |
| Prior Transfer Date | Aug 6, 2018 |
| Prior Transfer Doc | 0040351887 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 19, 2021 |
| Property Address | 3100 E 8TH ST UNIT A, A, PANAMA CITY, FL 32401-5298 |
| Document Number | 0044882095 |
| Book / Page | 4488 / 2095 |
| Instrument Date | Nov 19, 2021 |
| Instrument | 2021088732 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 810 J R ARNOLD CT, 810, PANAMA CITY BEACH, FL 32407-5478 |
| Name | Verified Name |
|---|---|
| Address | 3100 E 8TH ST UNIT B, B, PANAMA CITY, FL 32401-5298 |
| Document Number | 0044882097 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 4488/2097 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 11, 2021 |
| Property Address | 3100 E 8TH ST UNIT A, A, PANAMA CITY, FL 32401-5298 |
| Document Number | 0044460354 |
| Book / Page | 4446 / 354 |
| Instrument Date | Aug 10, 2021 |
| Instrument | 2021061714 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 18171, PANAMA CITY BEACH, FL 32417-8171 |
| Name | Verified Name |
|---|---|
| Address | 5109 WILLOW ST, PANAMA CITY, FL 32404-6350 |
| Document Number | 0004446356 |
|---|---|
| Date | Aug 11, 2021 |
| Instrument | 4446/356 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 6, 2018 |
| Property Address | 3100 E 8TH ST UNIT A, A, PANAMA CITY, FL 32401-5298 |
| Document Number | 0040351887 |
| Book / Page | 004035 / 001887 |
| Instrument Date | Aug 6, 2018 |
| Instrument | 47216 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 810 J R ARNOLD CT PANAMA CITY FL 324075478, PANAMA CITY, FL 32407-5478 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,774.00 (-7.38%) Homeowner's exemption | $217,017 (+3.64%) | $225,173 (+7.53%) Land $17,254 Building $207,919 |
| 2024 | $2,995.00 (+0.2%) | ||
| 2023 | $2,989.00 (-6.12%) Homeowner's exemption | $209,401 (+8.91%) Land $11,679 Building $197,722 | $209,401 (+8.91%) Land $11,679 Building $197,722 |
| 2022 | $3,184.00 | $192,261 Land $10,883 Building $181,378 | $192,261 Land $10,883 Building $181,378 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 34 (1980–2022) |
| Claims Outside the SFHA | 31 of 34 |
| Most Recent Claim | Sep 2022 · 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 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 |
| Lead | 1 ppb (2023) action level 15 ppb |
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.
Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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