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3204 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3204 Heartleaf Ave E, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details6 bd · 4 ba · 4,450 sqft · built 2016
Lot Size0.171 acres (7,448 sqft)
Owner2 Individual Names on Record
Last Sale$650,000 (Sep 2026)
Tax Bill$10,958 (2025)
Deeds & MortgagesSep 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11731-100-017

Property Details

APN / Parcel Number

Primary APN11731-100-017

Interior

Bedrooms6 Beds
Full Baths4 Baths
Stories2 Stories
Building Area4,450 sqft Living Area
1st Floor Area2,534 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2018
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialOther
Lot Area7,448 sqft (0.171 acres)
Lot Dimensions115 ft deep x 65 ft wide
PorchOpen Porch
Porch Area766 sqft
Patio Area18 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3204 HEARTLEAF AVE E
CityPANAMA CITY
StateFL
Zip32405-2774
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PHASE 1A-1 LOT 17 ORB 3718 P 1801
Legal Range14W
Legal Township03S
Legal Section19
Legal SubdivisionSWEETBAY PHASE 1A-1
Legal Phase1A
Legal Lot Number17
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1040
Census Tract1501

Owner

Source: Bay County records, as of September 29, 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 Record2 Individual Names on Record
Mailing Address896 RIVER PARK DR, MEMPHIS, TN 38103-0804
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 2, 2026 · Amount on Record
Deed SaleSep 2, 2026 · Amount on Record
Deed Document Number202654528
Deed Book / Page5074 / 1889
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 2, 2026
Property Address3204 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774
Document Number0000054528
Book / Page5074 / 1889
Instrument DateAug 28, 2026
Instrument202654528
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 24, 2026
Title CompanyBLUE TITLE LLC, BLUE MARLIN TITLE GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$459,550.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address896 RIVER PARK DR, MEMPHIS, TN 38103-0804

Mortgage

Document Number0000054529,
DateSep 2, 2026
Instrument202654529
Lender
NameSIRVA MORTGAGE INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 1, 2041
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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$10,958.00 (+9.31%)$631,373 (-1.92%)$760,052 (+18.07%) Land $66,300 Building $693,752
2023$10,025.00 (+16.08%)$643,733 (+12.77%) Land $56,265 Building $587,468$643,733 (+12.77%) Land $56,265 Building $587,468
2022$8,636.00$570,817 Land $51,700 Building $519,117$570,817 Land $51,700 Building $519,117

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 100 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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