3117 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3117 E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,252 sqft · built 1934
Lot Size	0.452 acres (19,689 sqft)
Owner	Individual Name on File
Tax Bill	$1,776 (2025)
Deeds & Mortgages	Mar 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23754-000-000`

Property Details

APN / Parcel Number

Primary APN	`23754-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,252 sqft Living Area
1st Floor Area	2,002 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wood

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	19,689 sqft (0.452 acres)
Lot Dimensions	197 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	90 sqft
Carport	Carport
Carport Area	90 sqft
Driveway	Driveway
Driveway Area	640 sqft
Porch	Florida Room
Porch Area	666 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3117 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRINGFIELD PLAT LOTS 7,8 BLK A ORB 4372 P 1157 MAP 118C2
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	SPRINGFIELD PLAT
Legal Block	A
Legal Lot Number	7,8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2010
Census Tract	1000

Owner

Source: Bay County records · APN 23754-000-000

Assessment roll updated January 5, 2026 · Last verified April 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 File
Mailing Address	3113 E 3RD ST, PANAMA CITY, FL 32401-5642
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Feb 22, 2021
Transfer Doc	0043721157
Record Updated	Jun 08, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Mar 05, 2021
Property Address	3117 E 3RD ST, PANAMA CITY, FL 32401-5642
Document Number	0043721157
Book / Page	4372 / 1157
Instrument Date	Feb 22, 2021
Instrument	2021016155
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2668 COUNTY ROAD 63, 2668, EVERGREEN, AL 36401-7122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3113 E 3RD ST, PANAMA CITY, FL 32401-5642

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,776.00 (-3.9%)	$100,780 (-19.28%)	$134,186 (+7.48%) Land $42,120 Building $92,066
2024	$1,848.00 (+8.07%)	$124,853 (+6.54%) Land $37,692 Building $87,161	$124,853 (+6.54%) Land $37,692 Building $87,161
2023	$1,710.00 (+27.52%)	$117,188 (+52.93%) Land $28,836 Building $88,352	$117,188 (+52.93%) Land $28,836 Building $88,352
2022	$1,341.00	$76,629 Land $23,760 Building $52,869	$76,629 Land $23,760 Building $52,869

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Nov 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2013 · 2 claims

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

Based on FCC filings for 325 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF SPRINGFIELD serves 8,075 people
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.