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3109 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3109 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,050 sqft · built 2012
Lot Size0.321 acres (13,982 sqft)
OwnerIndividual Name on File
Last Sale$200,000 (Jul 2022)
Tax Bill$1,949 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Sep 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN23751-000-000

Property Details

APN / Parcel Number

Primary APN23751-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,050 sqft Living Area
1st Floor Area1,050 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Exterior MaterialWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area13,982 sqft (0.321 acres)
Lot Dimensions280 ft deep x 50 ft wide
Garage TypeDetached
Garage Area368 sqft
PorchOpen Porch
Porch Area40 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3109 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-5642
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRINGFIELD PLAT LOT 4 BLK A ORB 4584 P 331 MAP 118C2
Legal Range14W
Legal Township04S
Legal Section11
Legal SubdivisionSPRINGFIELD PLAT
Legal BlockA
Legal Lot Number4
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2010
Census Tract1000

Owner

Source: Bay County records · APN 23751-000-000

Assessment roll updated January 5, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3109 E 3RD ST, PANAMA CITY, FL 32401-5642
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 05, 2022Warranty Deed, Transfer · FHA Mortgage
LOANDEPOT.COM LLC
Sep 11, 2019Warranty Deed, Transfer · FHA Mortgage
TRUSTMARK NATIONAL BANK
May 23, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 05, 2022 · Amount on Record
Deed SaleJul 05, 2022 · Amount on Record
Prior SaleSep 11, 2019 · Amount on Record
Deed Document Number202249934
Deed Book / Page4584 / 331
Prior Transfer DateAug 12, 2014
Prior Transfer Doc0041261459
Record UpdatedJun 08, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJul 05, 2022
Property Address3109 E 3RD ST, PANAMA CITY, FL 32401-5642
Document Number0045840331
Book / Page4584 / 331
Map ReferenceMB 2 PG 3
Instrument DateJun 30, 2022
Instrument2022049934
Transaction TypeTransfer
Record UpdatedJul 28, 2022
Title CompanySOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3109 E 3RD ST, 3109, PANAMA CITY, FL 32401-5642

Transferred To (Grantee/Buyer)

NameVerified Name
Address4324 W 20TH ST APT S175, S175, PANAMA CITY, FL 32405-1407

Mortgage

Document Number0004584333
DateJul 05, 2022
Instrument4584/333
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 11, 2019
Property Address3109 E 3RD ST, PANAMA CITY, FL 32401-5642
Document Number0041661401
Book / Page4166 / 1401
Map ReferenceMB 2 PG 3
Instrument DateSep 10, 2019
Instrument2019080643
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyDIAMOND TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$861.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3109 E 3RD ST, PANAMA CITY, FL 32401-5642

Mortgage

Document Number0041661403
DateSep 11, 2019
Instrument4166/1403
Lender
NameTRUSTMARK NATIONAL BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2049

May 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateMay 23, 2019
Property Address3109 E 3RD ST, PANAMA CITY, FL 32401-5642
Document Number0041261459
Book / Page004126 / 001459
Instrument DateAug 12, 2014
Instrument49622
Transaction TypeTransfer
Record UpdatedJun 11, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3109 E 3RD ST PANAMA CITY FL 324015642, PANAMA CITY, FL 32401-5642

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalitySpringfield City
Unified School DistrictBay 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,949.00 (-9.6%) Homeowner's exemption$164,968 (-2.22%)$165,222 (-2.07%) Land $22,035 Building $143,187
2024$2,156.00 (-4.77%)
2023$2,264.00 (+23.51%) Homeowner's exemption$168,713 (+57.65%) Land $15,085 Building $153,628$168,713 (+57.65%) Land $15,085 Building $153,628
2022$1,833.00$107,015 Land $12,430 Building $94,585$107,015 Land $12,430 Building $94,585

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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