3203 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3203 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,128 sqft · built 1945
Lot Size	0.226 acres (9,845 sqft)
Owner	Individual Name on File
Last Sale	$12,000 (Nov 2018)
Tax Bill	$1,055 (2025)
Deeds & Mortgages	Nov 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`23768-000-000`

Property Details

APN / Parcel Number

Primary APN	`23768-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,128 sqft Heated Area
Gross Area	1,328 sqft
1st Floor Area	1,128 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,845 sqft (0.226 acres)
Lot Dimensions	197 ft deep x 50 ft wide
Garage Type	Detached
Porch	Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3203 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRINGFIELD PLAT LOT 27 BLK B ORB 4064 P 21
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	SPRINGFIELD
Legal Block	B
Legal Lot Number	27
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2011
Census Tract	1000

Owner

Source: Bay County records · APN 23768-000-000

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	Individual Name on File
Mailing Address	3203 E 3RD ST, PANAMA CITY, FL 32401-5644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	May 10, 2006
Deed Document Number	0000406421
Deed Book / Page	4064 / 21
Last Transfer Date	Nov 29, 2018
Transfer Doc	0040640021
Record Updated	Jun 08, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 29, 2018
Property Address	3203 E 3RD ST, PANAMA CITY, FL 32401-5644
Document Number	0040640021
Book / Page	004064 / 000021
Instrument Date	Nov 28, 2018
Instrument	68887
Transaction Type	Transfer
Record Updated	Jan 07, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$84.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 E 3RD ST PANAMA CITY FL 324015644, PANAMA CITY, FL 32401-5644

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	$1,055.00 (-3.56%)	$91,286 (+10.47%) Land $21,060 Building $70,226	$91,286 (+10.47%) Land $21,060 Building $70,226
2023	$1,094.00 (+40.26%)	$82,631 (+103.54%) Land $14,418 Building $68,213	$82,631 (+103.54%) Land $14,418 Building $68,213
2022	$780.00	$40,597 Land $11,880 Building $28,717	$40,597 Land $11,880 Building $28,717

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.