3104 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3104 Heartleaf Ave E, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,229 sqft · built 2016
Lot Size	0.167 acres (7,318 sqft)
Owner	Individual Name on Record
Last Sale	$507,500 (Jan 2026)
Tax Bill	$4,742 (2025)
Deeds & Mortgages	Jan 2026 Sale May 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11731-100-011`

Property Details

APN / Parcel Number

Primary APN	`11731-100-011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,229 sqft Heated Area
Gross Area	3,218 sqft
1st Floor Area	1,745 sqft
2nd Floor Area	484 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,318 sqft (0.167 acres)
Lot Dimensions	122 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	32 sqft
Porch	Porch
Porch Area	505 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3104 HEARTLEAF AVE E
City	PANAMA CITY
State	FL
Zip	32405-2778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1A-1 LOT 11 ORB 4562 P 506
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-1
Legal Phase	1A
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1035
Census Tract	1501

Owner

Source: Bay County records, as of January 27, 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
Co-owner	Co-owner on Record
Mailing Address	3104 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Warranty Deed, Transfer SOUTH OAK TITLE 30A LLC
May 10, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 1, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Mar 17, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2026 · Amount on Record
Deed Sale	Jan 13, 2026 · Amount on Record
Prior Sale	May 10, 2022
Deed Document Number	2026002138
Deed Book / Page	4992 / 124
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 13, 2026
Property Address	3104 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
Document Number	0049920124
Book / Page	4992 / 124
Map Reference	MB 25 PG 17
Instrument Date	Jan 8, 2026
Instrument	2026002138
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	SOUTH OAK TITLE 30A LLC

Transaction

Amount	Amount Recorded
Tax	$3,552.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2616 CHURCHILL DOWNS CIR, CHATTANOOGA, TN 37421-1489

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3104 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	May 10, 2022
Property Address	3104 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
Document Number	0045620506
Book / Page	4562 / 506
Map Reference	MB 25 PG 17&18
Instrument Date	May 10, 2022
Instrument	2022035470
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3104 HEARTLEAF AVE E, 3104, PANAMA CITY, FL 32405-2778

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3104 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3104 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778

Mortgage

Document Number	0043842297
Date	Apr 1, 2021
Book Page	4384/2297
Instrument	2021023986

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 17, 2017
Property Address	3104 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
Document Number	0038821850
Book / Page	003882 / 001850
Instrument Date	Mar 16, 2017
Instrument	14640
Transaction Type	Subdivision Related Transfer
Record Updated	May 23, 2017
Title Company	SECURITY CONNECTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,508.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 SAND OAK BLVD PANAMA CITY BEACH FL 324134677, PANAMA CITY BEACH, FL 32413-4677

Mortgage

Document Number	38821853
Date	Mar 17, 2017
Book Page	003882/001853
Instrument	14641

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,742.00 (-6.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$347,336 (+5.99%)	$537,095 (+17.56%) Land $66,300 Building $470,795
2023	$5,075.00 (+6.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$327,716 (+3%)	$456,870 (+32.79%) Land $56,265 Building $400,605
2022	$4,762.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$318,171	$344,067 Land $51,700 Building $292,367

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
Flood Insurance Cost	Premium on Record median of 300 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	300 in force
Nearby Flood Claims	154 (1984–2022)
Claims Outside the SFHA	16 of 154
Most Recent Claim	May 2022 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 49 claims Hurricane Dennis, Jul 2005 · 13 claims Hurricane Opal, Oct 1995 · 63 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	Not rated no burnable land within ember reach

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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, WOW Internet, Cable & Phone.

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