3202 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3202 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 724 sqft · built 1937
Lot Size	0.13 acres (5,706 sqft)
Owner	2 Owner Names on File
Last Sale	$32,500 (Jun 1996)
Tax Bill	$428 (2025)
Flood Zone	Zone X (minimal risk)
APN	`23789-000-000`

Property Details

APN / Parcel Number

Primary APN	`23789-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	724 sqft Heated Area
Gross Area	1,342 sqft
1st Floor Area	724 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1977
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	5,706 sqft (0.13 acres)
Lot Dimensions	127 ft deep x 45 ft wide
Porch	Porch
Porch Area	534 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3202 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRINGFIELD PLAT (11.5) LOT 11 LESS E 4' BLK 2 ORB 1639 P 734
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	SPRINGFIELD
Legal Block	2
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2024
Census Tract	1000

Owner

Source: Bay County records · APN 23789-000-000

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	3202 E 3RD ST, PANAMA CITY, FL 32401-5645
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 06, 1996 · Amount on Record
Deed Sale	Jun 06, 1996 · Amount on Record
Deed Document Number	0001639734
Deed Book / Page	1639 / 734
Last Transfer Date	Jun 10, 1996
Transfer Doc	0016390734
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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	$428.00 (-29.49%) Homeowner's exemption	$55,996 (+5.99%)	$77,554 (+11.62%) Land $16,497 Building $61,057
2023	$607.00 (+8.78%) Homeowner's exemption	$52,833 (+3%)	$69,482 (+11.02%) Land $11,294 Building $58,188
2022	$558.00 Homeowner's exemption	$51,294	$62,583 Land $9,306 Building $53,277

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050010002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force 2 of 3 on primary residences
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Nov 2020, rainfall accumulation
Flood Events	Severe Storms And Flooding (Jul 2013), 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.