Bay County property record for 3108 E 2nd St, Panama City, FL 32401
| Property Type | Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 640 sqft · built 1990 |
| Lot Size | 0.145 acres (6,316 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,900 (Dec 2025) |
| Tax Bill | $235 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23907-000-000 |
| Primary APN | 23907-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 640 sqft Living Area |
| Gross Area | 752 sqft |
| 1st Floor Area | 640 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,316 sqft (0.145 acres) |
| Lot Dimensions | 127 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 76 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3108 E 2ND ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5635 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | SPRINGFIELD PLAT LOT 8 BLK 17 ORB 4712 P 1892 MAP 118C2 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | SPRINGFIELD PLAT |
| Legal Block | 17 |
| Legal Lot Number | 8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 1000 |
3108 E 2nd St, vacant land, is owned and occupied by an individual who bought it in December 2025.
Source: Bay County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3108 E 2ND ST, PANAMA CITY, FL 32401-5635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 16, 2024 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| Dec 22, 2025 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Dec 9, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2025 · Amount on File |
| Deed Sale | Dec 22, 2025 · Amount on File |
| Prior Sale | Jul 25, 2023 · Amount on File |
| Deed Document Number | 202574802 |
| Deed Book / Page | 4986 / 1140 |
| Prior Transfer Date | Dec 5, 2025 |
| Prior Transfer Doc | 0049812188 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3108 E 2ND ST, PANAMA CITY, FL 32401-5635 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6549 MOREHEAD RD, HARRISBURG, NC 28075-8492 |
| Investor | Possibly a Property Investor |
| Document Number | 0048211412 |
|---|---|
| Date | Jul 16, 2024 |
| Book Page | 4821/1412 |
| Instrument | 2024041668 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30339 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 22, 2025 |
| Property Address | 3108 E 2ND ST, PANAMA CITY, FL 32401-5635 |
| Document Number | 0049861140 |
| Book / Page | 4986 / 1140 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2025074802 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | SOUTH OAK TITLE 30A LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,581.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2339 ODELL SCHOOL RD, CONCORD, NC 28027-7454 |
| Name | Verified Name |
|---|---|
| Address | 3108 E 2ND ST, PANAMA CITY, FL 32401-5635 |
| Document Number | 0049861142 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 4986/1142 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Number | 0049861159 |
|---|---|
| Date | Dec 22, 2025 |
| Book Page | 4986/1159 |
| Instrument | 2025074804 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 9, 2025 |
| Property Address | 3108 E 2ND ST, PANAMA CITY, FL 32401-5635 |
| Document Number | 0049812188 |
| Book / Page | 4981 / 2188 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Dec 5, 2025 |
| Instrument | 2025071808 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2339 ODELL SCHOOL RD, CONCORD, NC 28027-7454 |
| Name | Verified Name |
|---|---|
| Address | 2339 ODELL SCHOOL RD, CONCORD, NC 28027-7454 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3108 E 2nd St was $235, down 33.2% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $235.00 (-33.24%) | $14,321 (+1%) | $15,980 (+22.74%) Land $15,980 |
| 2024 | $352.00 (+11.39%) | $13,019 (+22.57%) Land $13,019 | $13,019 (+22.57%) Land $13,019 |
| 2023 | $316.00 (+8.59%) | $10,622 (+10.24%) Land $10,622 | $10,622 (+10.24%) Land $10,622 |
| 2022 | $291.00 | $9,635 Land $9,635 | $9,635 Land $9,635 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3108 E 2nd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| 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.
Wildfire risk around 3108 E 2nd St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% 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 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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