3208 Hydrangea Ave, Panama City, FL 32405 Property Records

Bay County property record for 3208 Hydrangea Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,308 sqft · built 2017
Lot Size	0.151 acres (6,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$497,700 (Nov 2017)
Tax Bill	$6,853 (2025)
Deeds & Mortgages	Mar 2019 Sale Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11731-150-060`

Property Details

APN / Parcel Number

Primary APN	`11731-150-060`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,308 sqft Heated Area
Gross Area	4,162 sqft
1st Floor Area	2,508 sqft
2nd Floor Area	800 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,621 sqft (0.151 acres)
Lot Dimensions	125 ft deep x 53 ft wide
Garage Area	630 sqft
Driveway	Driveway
Driveway Area	837 sqft

Exterior Amenities

Porch	Porch
Porch Area	224 sqft
Patio Area	680 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3208 HYDRANGEA AVE
City	PANAMA CITY
State	FL
Zip	32405-2790
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1A-2 LOT 92 ORB 3951 P 1043
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-2
Legal Phase	1A
Legal Lot Number	92
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1501

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 Record	2 Individual Names on Record
Mailing Address	3208 HYDRANGEA AVE, PANAMA CITY, FL 32405-2790
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2019	Warranty Deed, Subdivision Related Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Nov 1, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2017 · Amount on Record
Deed Sale	Nov 1, 2017 · Amount on Record
Deed Document Number	2017063436
Deed Book / Page	3951 / 1043
Record Updated	Jun 8, 2026

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 21, 2019
Property Address	3208 HYDRANGEA AVE, PANAMA CITY, FL 32405-2790
Document Number	0041032001
Book / Page	004103 / 002001
Instrument Date	Mar 21, 2019
Instrument	30266
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 9, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2047 DISCOVERY LOOP PANAMA CITY FL 32405, PANAMA CITY, FL 32405

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 1, 2017
Property Address	3208 HYDRANGEA AVE, PANAMA CITY, FL 32405-2790
Document Number	0039511043
Book / Page	003951 / 001043
Instrument Date	Oct 31, 2017
Instrument	63436
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,483.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3208 HYDRANGEA AVE PANAMA CITY FL 324052790, PANAMA CITY, FL 32405-2790

Mortgage

Document Number	39511046
Date	Nov 1, 2017
Book Page	003951/001046
Instrument	63437

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 31, 2032

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,853.00 (-5.9%) Homeowner's exemption	$475,967 (+5.99%)	$610,162 (+16.97%) Land $66,300 Building $543,862
2023	$7,283.00 (+7.67%) Homeowner's exemption	$449,081 (+3%)	$521,622 (+12.45%) Land $56,265 Building $465,357
2022	$6,764.00 Homeowner's exemption	$436,001	$463,850 Land $51,700 Building $412,150

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 300 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	300 in force
Nearby Flood Claims	154 (1984–2022)
Claims Outside the SFHA	16 of 154
Most Recent Claim	May 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 Risk	Not 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 System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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

Provider	Max 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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