3113 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3113 Heartleaf Ave E, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,834 sqft · built 2016
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on Record
Last Sale	$269,601 (Feb 2026)
Tax Bill	$6,011 (2025)
Deeds & Mortgages	Feb 2026 Sale Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11731-100-005`

Property Details

APN / Parcel Number

Primary APN	`11731-100-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,834 sqft Heated Area
Gross Area	2,748 sqft
1st Floor Area	1,834 sqft
Interior Walls	Wallboard/Drywall

Exterior

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

Exterior Amenities

Porch	Porch
Porch Area	452 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3113 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 5 ORB 4026 P 1623
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-1
Legal Phase	1A
Legal Lot Number	5
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 March 11, 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
Co-owner	Co-owner on Record
Mailing Address	3113 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Warranty Deed, Transfer OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC
Oct 1, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 11, 2018	Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Jul 11, 2018 · Amount on Record
Deed Document Number	2026009454
Deed Book / Page	5002 / 1936
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 17, 2026
Property Address	3113 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Document Number	0050021936
Book / Page	5002 / 1936
Map Reference	MB 25 PG 17&18
Instrument Date	Feb 13, 2026
Instrument	2026009454
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9016 WOLF VALLEY DR, COLORADO SPRINGS, CO 80924-5425

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3113 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3113 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3113 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777

Mortgage

Document Number	0044671526
Date	Oct 1, 2021
Book Page	4467/1526
Instrument	2021075203

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 11, 2018
Property Address	3113 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777
Document Number	0040261623
Book / Page	004026 / 001623
Instrument Date	Jul 9, 2018
Instrument	40972
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12513 SE 18TH ST CHOCTAW OK 730206742, CHOCTAW, OK 73020-6742

Mortgage

Document Number	40261625
Date	Jul 11, 2018
Book Page	004026/001625
Instrument	40973

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

Tax Assessment & Valuation

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

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	$6,011.00 (+5.72%)	$380,611 (+17.55%) Land $66,300 Building $314,311	$380,611 (+17.55%) Land $66,300 Building $314,311
2023	$5,686.00 (+15.45%)	$323,798 (+11.94%) Land $56,265 Building $267,533	$323,798 (+11.94%) Land $56,265 Building $267,533
2022	$4,925.00	$289,268 Land $51,700 Building $237,568	$289,268 Land $51,700 Building $237,568

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.

Nearby Properties on Heartleaf Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures