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3112 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3112 Heartleaf Ave E, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,401 sqft · built 2016
Lot Size0.151 acres (6,621 sqft)
Owner2 Individual Names on Record
Last Sale$359,500 (Mar 2020)
Tax Bill$4,876 (2025)
Deeds & MortgagesMar 2020 Sale
Flood ZoneZone X (minimal risk)
APN11731-100-013

Property Details

APN / Parcel Number

Primary APN11731-100-013

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,401 sqft Heated Area
Gross Area3,401 sqft
1st Floor Area1,495 sqft
2nd Floor Area906 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area6,621 sqft (0.151 acres)
Lot Dimensions123 ft deep x 54 ft wide
Garage Area498 sqft
DrivewayDriveway
Driveway Area72 sqft

Exterior Amenities

PorchPorch
Porch Area502 sqft
FenceFence
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3112 HEARTLEAF AVE E
CityPANAMA CITY
StateFL
Zip32405-2778
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PHASE 1A-1 LOT 13 ORB 4228 P 1231
Legal Range14W
Legal Township03S
Legal Section19
Legal SubdivisionSWEETBAY PHASE 1A-1
Legal Phase1A
Legal Lot Number13
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1035
Census Tract1501

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 Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address3112 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleMar 3, 2020 · Amount on Record
Deed SaleMar 3, 2020 · Amount on Record
Prior SaleDec 27, 2016 · Amount on Record
Deed Document Number2020016351
Deed Book / Page4228 / 1231
Record UpdatedJun 8, 2026

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 3, 2020
Property Address3112 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
Document Number0042281231
Book / Page004228 / 001231
Instrument DateFeb 28, 2020
Instrument16351
Transaction TypeTransfer
Record UpdatedMar 20, 2020
Title CompanyDEFENDER TITLE AND ESCROW AGENCY L, DEFENDER TITLE & ESCROW AGCY L

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3022 W 27TH CT PANAMA CITY FL 324051619, PANAMA CITY, FL 32405-1619

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,876.00 (-5.69%) Homeowner's exemption$350,817 (+5.99%)$419,962 (+16.94%) Land $66,300 Building $353,662
2023$5,170.00 (+6.62%) Homeowner's exemption$331,000 (+3%)$359,119 (+11.75%) Land $56,265 Building $302,854
2022$4,849.00 Homeowner's exemption$321,359 Land $51,700 Building $269,659$321,359 Land $51,700 Building $269,659

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 300 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies300 in force
Nearby Flood Claims154 (1984–2022)
Claims Outside the SFHA16 of 154
Most Recent ClaimMay 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 RiskNot 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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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