Bay County property record for 3104 E 3rd St, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 952 sqft · built 1964 |
| Lot Size | 0.342 acres (14,941 sqft) |
| Owner | 2 Owner Names on Record |
| Tax Bill | $425 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23350-000-000 |
| Primary APN | 23350-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 952 sqft |
| 1st Floor Area | 952 sqft |
| Flooring | Vinyl/Resilient |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Exterior Material | Concrete Block |
| Lot Area | 14,941 sqft (0.342 acres) |
| Lot Dimensions | 208 ft deep x 72 ft wide |
| Garage Area | 228 sqft |
| Porch | Porch |
| Porch Area | 284 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3104 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5643 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | 11 4S 14W-335-118C3 BEG AT THE INTERS OF THE S LINE OF PANAMACITY-WEWA HWY & W LINE |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 1000 |
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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 327 N CHURCH AVE, PANAMA CITY, FL 32401-5453 |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | Dec 30, 2003 |
| Last Transfer Date | Aug 22, 2013 |
| Transfer Doc | 0035410256 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $425.00 (-21.3%) | $31,439 (+11.28%) Land $30,326 Building $1,113 | $31,439 (+11.28%) Land $30,326 Building $1,113 |
| 2024 | $540.00 (-18.18%) | $28,251 (-12.86%) Land $27,138 Building $1,113 | $28,251 (-12.86%) Land $27,138 Building $1,113 |
| 2023 | $660.00 (+13.79%) | $32,419 (+14.79%) Land $20,761 Building $11,658 | $32,419 (+14.79%) Land $20,761 Building $11,658 |
| 2022 | $580.00 | $28,241 Land $17,107 Building $11,134 | $28,241 Land $17,107 Building $11,134 |
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 |
|---|---|
| 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 |
|
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 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 |
| Also Mapped Here | PANAMA CITY WATER SYSTEM |
| 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 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 |
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