Bay County property record for 3116 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,411 sqft · built 2004 |
| Lot Size | 0.216 acres (9,409 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Aug 2023) |
| Tax Bill | $2,760 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jul 2022 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 15438-050-000 |
| Primary APN | 15438-050-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,411 sqft Heated Area |
| Gross Area | 2,045 sqft |
| 1st Floor Area | 1,411 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,409 sqft (0.216 acres) |
| Lot Dimensions | 150 ft deep x 63 ft wide |
| Garage Area | 480 sqft |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Porch | Porch |
| Porch Area | 154 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3116 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W -241.5- 118B3 COM AT NE COR OF SW1/4 OF SE1/4 OF SW1/4 S 23' FOR POB W |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 1100 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3116 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 14, 2023 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Jul 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA |
| May 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Aug 17, 2020 | Warranty Deed, Transfer SOUTH OAK TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2023 · Amount on Record |
| Deed Sale | Aug 14, 2023 · Amount on Record |
| Prior Sale | Aug 17, 2020 · Amount on Record |
| Deed Document Number | 2023051049 |
| Deed Book / Page | 4719 / 2178 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 14, 2023 |
| Property Address | 3116 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Document Number | 0047192178 |
| Book / Page | 4719 / 2178 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 2023051049 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2023 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3116 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Name | Verified Name |
|---|---|
| Address | 143 N JAN DR, PANAMA CITY, FL 32404-7512 |
| Document Number | 0047192180 |
|---|---|
| Date | Aug 14, 2023 |
| Instrument | 4719/2180 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3116 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3116 E 8TH ST, P C BEACH, FL 32401-5117 |
| Document Number | 0045841725 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 4584/1725 |
| Instrument | 2022050301 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | GLEN ALLEN, VA 23059 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3116 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3116 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Document Number | 0044040342 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 4404/342 |
| Instrument | 2021035244 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 17, 2020 |
| Property Address | 3116 E 8TH ST, PANAMA CITY, FL 32401-5117 |
| Document Number | 0042871740 |
| Book / Page | 004287 / 001740 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 54010 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | SOUTH OAK TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3116 E 8TH ST PANAMA CITY FL 324015117, PANAMA CITY, FL 32401-5117 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $2,760.00 (+34.9%) Homeowner's exemption | $216,115 (+37.07%) | $222,871 (+34.85%) Land $20,475 Building $202,396 |
| 2023 | $2,046.00 (+5.41%) Homeowner's exemption Widower's exemption | $157,664 (+3%) | $165,276 (+7.97%) Land $13,860 Building $151,416 |
| 2022 | $1,941.00 Homeowner's exemption Widower's exemption | $153,072 Land $12,915 Building $140,157 | $153,072 Land $12,915 Building $140,157 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 34 (1980–2022) |
| Claims Outside the SFHA | 31 of 34 |
| Most Recent Claim | Sep 2022 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% 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 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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