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3116 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3116 Heartleaf Ave E, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,856 sqft · built 2017
Lot Size0.151 acres (6,621 sqft)
OwnerIndividual Name on Record
Last Sale$275,600 (Feb 2017)
Tax Bill$3,702 (2025)
Deeds & MortgagesNov 2020 Mortgage
Feb 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11731-100-014

Property Details

APN / Parcel Number

Primary APN11731-100-014

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,856 sqft Heated Area
Gross Area2,788 sqft
1st Floor Area1,856 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area6,621 sqft (0.151 acres)
Lot Dimensions123 ft deep x 54 ft wide
Garage Area462 sqft
DrivewayDriveway
Driveway Area76 sqft

Exterior Amenities

PorchPorch
Porch Area470 sqft
FenceFence
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3116 HEARTLEAF AVE E
CityPANAMA CITY
StateFL
Zip32405-2778
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PHASE 1A-1 LOT 14 ORB 3876 P 1010
Legal Range14W
Legal Township03S
Legal Section19
Legal SubdivisionSWEETBAY PHASE 1A-1
Legal Phase1A
Legal Lot Number14
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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3116 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
TYNDALL FCU
Feb 22, 2017Warranty Deed, Subdivision Related Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 22, 2017 · Amount on Record
Deed SaleFeb 22, 2017 · Amount on Record
Prior SaleJul 27, 2015
Deed Document Number2017010003
Deed Book / Page3876 / 1010
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address3116 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3116 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778

Mortgage

Document Number0043291091
DateNov 24, 2020
Book Page4329/1091
Instrument2020079801
Lender
NameTYNDALL FCU
TypeCredit Union
AddressPANAMA CITY, FL 32412
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2050

February 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateFeb 22, 2017
Property Address3116 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2778
Document Number0038761010
Book / Page3876 / 1010
Map ReferenceMB25 PG17&18
Instrument DateFeb 21, 2017
Instrument2017010003
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 6, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,929.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1903 WRIGHT PL, 1903, CARLSBAD, CA 92008-5526

Transferred To (Grantee/Buyer)

NameVerified Name
Address3607 BILLMORE DR, PANAMA CITY, FL 32408-6608

Mortgage

Document Number, 2017010004
DateFeb 22, 2017
Instrument2017010004
Lender
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2047

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$3,702.00 (-7.31%) Homeowner's exemption$276,484 (+5.99%)$376,838 (+17.56%) Land $66,300 Building $310,538
2023$3,994.00 (+5.97%) Homeowner's exemption$260,866 (+3%)$320,536 (+12.4%) Land $56,265 Building $264,271
2022$3,769.00 Homeowner's exemption$253,268$285,170 Land $51,700 Building $233,470

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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