3209 Veranda Ave, Panama City, FL 32405 Property Records

Bay County property record for 3209 Veranda Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,370 sqft · built 2017
Lot Size	0.117 acres (5,140 sqft)
Owner	2 Individual Names on File
Last Sale	$389,900 (Jun 2020)
Tax Bill	$5,311 (2024)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11731-150-055`

Property Details

APN / Parcel Number

Primary APN	`11731-150-055`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,370 sqft Heated Area
Gross Area	3,402 sqft
1st Floor Area	1,095 sqft
2nd Floor Area	1,280 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	5,140 sqft (0.117 acres)
Lot Dimensions	115 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	220 sqft

Exterior Amenities

Porch	Porch
Porch Area	504 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3209 VERANDA AVE
City	PANAMA CITY
State	FL
Zip	32405-2787
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1A-2 LOT 87 ORB 4264 P 1064
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-2
Legal Phase	1A
Legal Lot Number	87
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1501

Owner

3209 Veranda Ave is owned and occupied by two individuals who bought it in June 2020.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3209 VERANDA AVE, PANAMA CITY, FL 32405-2787
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Jan 26, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2020 · Amount on File
Deed Sale	Jun 19, 2020 · Amount on File
Prior Sale	Jan 26, 2018 · Amount on File
Deed Document Number	2020039980
Deed Book / Page	4264 / 1064
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 19, 2020
Property Address	3209 VERANDA AVE, PANAMA CITY, FL 32405-2787
Document Number	0042641064
Book / Page	004264 / 001064
Instrument Date	Jun 18, 2020
Instrument	39980
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,729.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3209 VERANDA AVE PANAMA CITY FL 324052787, PANAMA CITY, FL 32405-2787

Mortgage

Document Number	42641066
Date	Jun 19, 2020
Book Page	004264/001066
Instrument	39981

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2050

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 26, 2018
Property Address	3209 VERANDA AVE, PANAMA CITY, FL 32405-2787
Document Number	0039741709
Book / Page	003974 / 001709
Instrument Date	Jan 12, 2018
Instrument	5142
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,543.23
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	3209 VERANDA AVE PANAMA CITY FL 324052787, PANAMA CITY, FL 32405-2787

Mortgage

Document Number	39741712
Date	Jan 26, 2018
Book Page	003974/001712
Instrument	5143

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2048

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		$379,599	$459,637 Land $66,300 Building $393,337
2024	$5,311.00 (-5.93%)
2023	$5,646.00 (+6.83%) Homeowner's exemption	$358,156 (+3%)	$391,349 (+12.55%) Land $56,265 Building $335,084
2022	$5,285.00 Homeowner's exemption	$347,724 Land $51,700 Building $296,024	$347,724 Land $51,700 Building $296,024

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

Flood

FEMA maps place 3209 Veranda Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3209 Veranda Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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