3105 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3105 Heartleaf Ave E, Panama City, FL 32405 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,368 sqft · built 2016
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$442,000 (Jul 2021)
Tax Bill	$6,742 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11731-100-007`

Property Details

APN / Parcel Number

Primary APN	`11731-100-007`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,368 sqft Heated Area
Gross Area	3,310 sqft
1st Floor Area	1,496 sqft
2nd Floor Area	872 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	109 ft deep x 53 ft wide
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	200 sqft

Exterior Amenities

Porch	Porch
Porch Area	502 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3105 HEARTLEAF AVE E
City	PANAMA CITY
State	FL
Zip	32405-2777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1A-1 LOT 7 ORB 4429 P 952
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-1
Legal Phase	1A
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1033
Census Tract	1501

Owner

Source: Bay County records · APN 11731-100-007

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3105 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 02, 2021 · Amount on Record
Deed Sale	Jul 02, 2021 · Amount on Record
Prior Sale	Oct 24, 2016 · Amount on Record
Deed Document Number	2021050997
Deed Book / Page	4429 / 952
Record Updated	Jun 08, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 02, 2021
Property Address	3105 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Document Number	0044290952
Book / Page	4429 / 952
Map Reference	MB 25 PG 17&18
Instrument Date	Jun 30, 2021
Instrument	2021050997
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,094.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3750 SILVER BLUFF BLVD # 27042704, 3750, ORANGE PARK, FL 32065-4262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CORMORANT LNDG, MADISON, AL 35758-5000

Mortgage

Document Number	4429954
Date	Jul 02, 2021
Instrument	4429/954

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

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	Panama 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	$6,742.00 (+0.93%) Homeowner's exemption	$468,924 (+2.9%)	$517,428 (+0.69%) Land $66,300 Building $451,128
2024	$6,680.00 (-5.01%) Homeowner's exemption	$455,708 (+3%)	$513,905 (+16.15%) Land $60,400 Building $453,505
2023	$7,032.00 (+11.62%) Homeowner's exemption	$442,435 (+18.35%) Land $56,265 Building $386,170	$442,435 (+18.35%) Land $56,265 Building $386,170
2022	$6,300.00	$373,831 Land $51,700 Building $322,131	$373,831 Land $51,700 Building $322,131

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 120050015011, 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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 300 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	300 in force 236 of 300 on primary residences
Nearby Flood Claims	154 (1984–2022)
Claims Outside the SFHA	16 of 154
Most Recent Claim	May 2022, other causes
Flood Events	Hurricane Michael (Oct 2018), 49 claims Hurricane Dennis (Jul 2005), 13 claims Hurricane Opal (Oct 1995), 63 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.