3101 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3101 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Convenience Store
Details	2,880 sqft · built 1975
Lot Size	0.314 acres (13,678 sqft)
Owner	Owner Name on File
Last Sale	$110,000 (Apr 2005)
Tax Bill	$1,565 (2025)
Deeds & Mortgages	Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23761-000-000`

Property Details

APN / Parcel Number

Primary APN	`23761-000-000`

Interior

Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,880 sqft Total Area
1st Floor Area	1,920 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1975
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Reinforced Concrete
Roof Material	Built-Up Asphalt
Lot Area	13,678 sqft (0.314 acres)
Lot Dimensions	136 ft deep x 88 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3101 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5642
Property Category	Commercial
Property Type	Commercial > Retail > Convenience Store
Legal Description	SPRINGFIELD PLAT (62.2) 118C2 S 138' LOT 62 BLK A ORB 580 P 305 ORB 2040
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	SPRINGFIELD
Legal Block	A
Legal Lot Number	62
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2010
Census Tract	1000

Owner

Source: Bay County records · APN 23761-000-000

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	3400 W HIGHWAY 98, PANAMA CITY, FL 32401-1258

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 25, 2005 · Amount on Record
Deed Sale	Apr 25, 2005 · Amount on Record
Prior Sale	Mar 12, 2004 · Amount on Record
Deed Document Number	2005-031458
Deed Book / Page	2598 / 0117
Record Updated	Jun 08, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3101 E 3RD ST, PANAMA CITY, FL 32401-5642
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040891868
Date	Feb 12, 2019
Book Page	4089/1868
Instrument	2019016766

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Jan 15, 2034

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

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

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	$1,565.00 (-1.51%)	$108,887 (%) Land $68,389 Building $40,498	$108,887 (%) Land $68,389 Building $40,498
2023	$1,589.00 (+18.67%)	$108,888 (+16.81%) Land $68,389 Building $40,499	$108,888 (+16.81%) Land $68,389 Building $40,499
2022	$1,339.00	$93,221 Land $54,711 Building $38,510	$93,221 Land $54,711 Building $38,510

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050010002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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 Storm	Severe Storms And Flooding, Jul 2013 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 301 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
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: WOW Internet, Cable & Phone, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.