Bay County property record for 3104 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,168 sqft · built 1999 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $166,000 (Nov 2020) |
| Tax Bill | $1,817 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Aug 2020 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 15438-020-000 |
| Primary APN | 15438-020-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,168 sqft Heated Area |
| Gross Area | 1,484 sqft |
| 1st Floor Area | 1,168 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,233 sqft (0.189 acres) |
| Lot Dimensions | 150 ft deep x 55 ft wide |
| Garage Area | 252 sqft |
| Driveway | Driveway |
| Driveway Area | 768 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 64 sqft |
| Patio Area | 120 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3104 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W -241.2- 118B3 COM AT NE COR OF SW1/4 OF SE1/4 OF SW1/4 S 23' W 337.76' |
| 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 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 | 3104 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 4, 2020 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Aug 3, 2020 | Foreclosure OTHER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2020 · Amount on Record |
| Deed Sale | Nov 4, 2020 · Amount on Record |
| Prior Sale | Mar 18, 2020 · Amount on Record |
| Deed Document Number | 2020074173 |
| Deed Book / Page | 4319 / 2350 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 4, 2020 |
| Property Address | 3104 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Document Number | 0043192350 |
| Book / Page | 4319 / 2350 |
| Instrument Date | Nov 2, 2020 |
| Instrument | 2020074173 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | FLORIDA COASTAL CLOSING & ES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 513 BAINBRIDGE ST, 513, PANAMA CITY BEACH, FL 32413-2850 |
| Name | Verified Name |
|---|---|
| Address | 3104 E 8TH ST, PANAMA CITY BEACH, FL 32401-5117 |
| Document Number | 0043192352 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | 4319/2352 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 3, 2020 |
| Property Address | 3104 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Document Number | 0042812186 |
| Book / Page | 004281 / 002186 |
| Instrument Date | Mar 6, 2020 |
| Instrument | 50456 |
| Record Updated | Sep 14, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $491.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 513 BAINBDG ST PANAMA CITY BEACH FL 32413, PANAMA CITY BEACH, FL 32413 |
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 | $1,817.00 (-7.34%) Homeowner's exemption | $156,656 (+5.99%) | $169,763 (+9.33%) Land $17,875 Building $151,888 |
| 2023 | $1,961.00 (+9.07%) Homeowner's exemption | $147,807 (+3%) | $155,278 (+8.21%) Land $12,100 Building $143,178 |
| 2022 | $1,798.00 Homeowner's exemption | $143,502 Land $11,275 Building $132,227 | $143,502 Land $11,275 Building $132,227 |
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 96% of the US · lower than 96% 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.
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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