3109 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3109 Heartleaf Ave E, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 2016
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on Record
Last Sale	$269,000 (Jan 2021)
Tax Bill	$5,396 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jan 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11731-100-006`

Property Details

APN / Parcel Number

Primary APN	`11731-100-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Living Area
Gross Area	2,310 sqft
1st Floor Area	1,848 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,445 sqft (0.125 acres)
Lot Dimensions	109 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	57 sqft
Porch	Open Porch
Porch Area	478 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3109 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 6 ORB 4694 P 2063
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-1
Legal Phase	1A
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1033
Census Tract	1501

Owner

Source: Bay County records, as of January 5, 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
Mailing Address	3109 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 4, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 17, 2018	Grant Deed OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Aug 19, 2016 · Amount on Record
Deed Document Number	2021337
Deed Book / Page	4346 / 1380
Last Transfer Date	Jun 1, 2023
Transfer Doc	0046942063
Record Updated	Jun 8, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Jun 1, 2023
Property Address	3109 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Document Number	0046942063
Book / Page	4694 / 2063
Map Reference	MB 25 PG 17&18
Instrument Date	Jun 1, 2023
Instrument	2023033907
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3109 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 4, 2021
Property Address	3109 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Document Number	0043461380
Book / Page	4346 / 1380
Map Reference	MB 25 PG 17&18
Instrument Date	Dec 30, 2020
Instrument	2021000337
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,883.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Apr 17, 2018
Property Address	3109 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Document Number	0039990542
Book / Page	003999 / 000542
Instrument Date	Aug 15, 2016
Instrument	22451
Record Updated	May 1, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$1,896.96
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3025 KINGS HARBOUR RD PANAMA CITY FL 324051631, PANAMA CITY, FL 32405-1631

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,396.00 (-3.8%) Homeowner's exemption	$383,706 (+1.43%) Land $66,300 Building $317,406	$383,706 (+1.43%) Land $66,300 Building $317,406
2024	$5,609.00 (-2.09%) Homeowner's exemption	$378,300 (+15.93%) Land $60,400 Building $317,900	$378,300 (+15.93%) Land $60,400 Building $317,900
2023	$5,729.00 (+15.46%)	$326,311 (+11.94%) Land $56,265 Building $270,046	$326,311 (+11.94%) Land $56,265 Building $270,046
2022	$4,962.00	$291,498 Land $51,700 Building $239,798	$291,498 Land $51,700 Building $239,798

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 100 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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