3107 E 8th St, Panama City, FL 32401 Property Records

Bay County property record for 3107 E 8th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,341 sqft · built 1975
Lot Size	0.16 acres (7,013 sqft)
Owner	Company Name on Record
Last Sale	$118,000 (Dec 2023)
Tax Bill	$1,732 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15658-010-000`

Property Details

APN / Parcel Number

Primary APN	`15658-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,341 sqft Heated Area
Gross Area	1,431 sqft
1st Floor Area	1,341 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1985
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,013 sqft (0.16 acres)
Lot Dimensions	105 ft deep x 67 ft wide
Porch	Porch
Porch Area	90 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3107 E 8TH ST
City	PANAMA CITY
State	FL
Zip	32401-5116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROBINDALE W 67.5' OF LOT 1 ORB 1248 P 1154 BLK D (1.03) (118B3)
Legal Range	14W
Legal Township	04S
Legal Section	02
Legal Subdivision	ROBINDALE
Legal Block	D
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3009
Census Tract	1100

Owner

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	Company Name on Record
Mailing Address	13800 PANAMA CITY BEACH PKWY STE 106D, 106D, PANAMA CITY BEACH, FL 32407-2866
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2023 · Amount on Record
Deed Sale	Dec 13, 2023 · Amount on Record
Prior Sale	Feb 28, 2002
Deed Document Number	2023077270
Deed Book / Page	4757 / 467
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 13, 2023
Property Address	3107 E 8TH ST, PANAMA CITY, FL 32401-5116
Document Number	0047570467
Book / Page	4757 / 467
Map Reference	MB 9 PG 47
Instrument Date	Dec 12, 2023
Instrument	2023077270
Transaction Type	Transfer
Record Updated	Jan 1, 2024
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$826.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4008 E 8TH CT, PANAMA CITY, FL 32404-5922

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13800 PANAMA CITY BEACH PKWY STE 106D, 106D, PANAMA CITY BEACH, FL 32407-2866

Mortgage

Document Number	0004757469
Date	Dec 13, 2023
Instrument	4757/469

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jan 1, 2025

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,732.00 (+1.88%)	$109,237 (+16.78%) Land $24,482 Building $84,755	$109,237 (+16.78%) Land $24,482 Building $84,755
2023	$1,700.00 (+15.88%)	$93,539 (+9.94%) Land $20,339 Building $73,200	$93,539 (+9.94%) Land $20,339 Building $73,200
2022	$1,467.00	$85,080 Land $18,644 Building $66,436	$85,080 Land $18,644 Building $66,436

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 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	Hurricane Michael, Oct 2018 · 6 claims Severe Storms And Flooding, Jul 2013 · 2 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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