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3216 Veranda Ave, Panama City, FL 32405 Property Records

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

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,456 sqft · built 2017
Lot Size0.117 acres (5,140 sqft)
OwnerIndividual Name on Record
Last Sale$366,816 (Dec 2017)
Tax Bill$8,173 (2025)
Deeds & MortgagesDec 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11731-150-035

Property Details

APN / Parcel Number

Primary APN11731-150-035

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,456 sqft Heated Area
Gross Area3,934 sqft
1st Floor Area1,131 sqft
2nd Floor Area1,325 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,140 sqft (0.117 acres)
Lot Dimensions115 ft deep x 45 ft wide
Garage TypeDetached
Garage Area484 sqft
DrivewayDriveway
Driveway Area207 sqft
PorchPorch
Porch Area994 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3216 VERANDA AVE
CityPANAMA CITY
StateFL
Zip32405-2786
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PHASE 1A-2 LOT 67 ORB 3964 P 1840
Legal Range14W
Legal Township03S
Legal Section19
Legal SubdivisionSWEETBAY PHASE 1A-2
Legal Phase1A
Legal Lot Number67
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1014
Census Tract1501

Owner

Source: Bay County records, as of January 23, 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 RecordIndividual Name on Record
Mailing Address5466 SILVERSIDE PINE CT, BRADENTON, FL 34211-1805
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 20, 2017 · Amount on Record
Deed SaleDec 20, 2017 · Amount on Record
Deed Document Number2017072894
Deed Book / Page3964 / 1840
Record UpdatedJun 8, 2026

December 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 20, 2017
Property Address3216 VERANDA AVE, PANAMA CITY, FL 32405-2786
Document Number0039641840
Book / Page003964 / 001840
Instrument DateDec 11, 2017
Instrument72894
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 16, 2018

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,525.71
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3216 VERANDA AVE PANAMA CITY FL 324052786, PANAMA CITY, FL 32405-2786

Mortgage

Document Number39641843
DateDec 20, 2017
Book Page003964/001843
Instrument72895
Lender
NameSUPREME LNDG
AddressDALLAS, TX 75254
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 19, 2047

Tax Assessment & Valuation

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

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$8,173.00 (+6.68%)$517,528 (+17.52%) Land $66,300 Building $451,228$517,528 (+17.52%) Land $66,300 Building $451,228
2023$7,661.00 (+15.78%)$440,367 (+12.59%) Land $56,265 Building $384,102$440,367 (+12.59%) Land $56,265 Building $384,102
2022$6,617.00$391,113 Land $51,700 Building $339,413$391,113 Land $51,700 Building $339,413

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
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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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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