3216 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3216 Heartleaf Ave E, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,882 sqft · built 2016
Lot Size	0.117 acres (5,140 sqft)
Owner	Individual Name on Record
Last Sale	$645,000 (Jul 2022)
Tax Bill	$10,565 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`11731-100-020`

Property Details

APN / Parcel Number

Primary APN	`11731-100-020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,882 sqft Heated Area
Gross Area	3,889 sqft
1st Floor Area	1,162 sqft
2nd Floor Area	1,720 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2021
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	506 sqft
Driveway	Driveway
Driveway Area	220 sqft

Exterior Amenities

Porch	Porch
Porch Area	501 sqft
Patio Area	256 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3216 HEARTLEAF AVE E
City	PANAMA CITY
State	FL
Zip	32405-2774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1A-1 LOT 20 ORB 4590 P 1804
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-1
Legal Phase	1A
Legal Lot Number	20
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1040
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3216 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Warranty Deed, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC
Feb 13, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Feb 13, 2020 · Amount on Record
Deed Document Number	2022054567
Deed Book / Page	4590 / 1804
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 22, 2022
Property Address	3216 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774
Document Number	0045901804
Book / Page	4590 / 1804
Map Reference	MB 25 PG 17&18
Instrument Date	Jul 21, 2022
Instrument	2022054567
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3216 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774

Mortgage

Document Number	0045901806
Date	Jul 22, 2022
Instrument	4590/1806

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

February 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 13, 2020
Property Address	3216 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774
Document Number	0042212160
Book / Page	4221 / 2160
Map Reference	MB 25 PG 17&18
Instrument Date	Feb 11, 2020
Instrument	2020011551
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,009.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3216 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774

Mortgage

Document Number	0042212163
Date	Feb 13, 2020
Instrument	4221/2163

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$10,565.00 (+8.78%)	$668,975 (+18.75%) Land $66,300 Building $602,675	$668,975 (+18.75%) Land $66,300 Building $602,675
2023	$9,712.00 (+50.36%)	$563,325 (+47.64%) Land $56,265 Building $507,060	$563,325 (+47.64%) Land $56,265 Building $507,060
2022	$6,459.00	$381,543 Land $51,700 Building $329,843	$381,543 Land $51,700 Building $329,843

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
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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