3224 Heartleaf Ave E, Panama City, FL 32405 Property Records

Bay County property record for 3224 Heartleaf Ave E, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,719 sqft · built 2016
Lot Size	0.244 acres (10,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$48,000 (Aug 2026)
Tax Bill	$11,783 (2025)
Deeds & Mortgages	Aug 2026 Sale Aug 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11731-100-022`

Property Details

APN / Parcel Number

Primary APN	`11731-100-022`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,719 sqft Living Area
Gross Area	4,319 sqft
1st Floor Area	1,984 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2020
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,628 sqft (0.244 acres)
Lot Dimensions	140 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	600 sqft

Exterior Amenities

Pool Area	300 sqft
Porch	Open Porch
Porch Area	676 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3224 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 22 ORB 4243 P 50
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-1
Legal Phase	1A
Legal Lot Number	22
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 September 1, 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	3224 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Aug 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 15, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage INNOVATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Apr 15, 2020 · Amount on Record
Deed Document Number	202650244
Deed Book / Page	5068 / 514
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Aug 14, 2026
Property Address	3224 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774
Document Number	0000050245
Book / Page	5068 / 517
Instrument Date	Aug 11, 2026
Instrument	202650245
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3224 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 14, 2026
Property Address	3224 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774
Document Number	0000050244
Book / Page	5068 / 514
Instrument Date	Aug 11, 2026
Instrument	202650244
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$33,936.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 15, 2020
Property Address	3224 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774
Document Number	0042430050
Book / Page	4243 / 50
Map Reference	MB 25 PG 17&18
Instrument Date	Apr 14, 2020
Instrument	2020026203
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	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 WRIGHT PL STE 220, 1903, CARLSBAD, CA 92008-6584

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3224 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2774

Mortgage

Document Number	0042430053
Date	Apr 15, 2020
Instrument	4243/0053

Lender

Name	INNOVATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

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

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	$11,783.00 (+10.18%)	$727,096 (+17.93%) Land $66,300 Building $660,796	$727,096 (+17.93%) Land $66,300 Building $660,796
2023	$10,694.00 (+15.89%)	$616,552 (+12.39%) Land $56,265 Building $560,287	$616,552 (+12.39%) Land $56,265 Building $560,287
2022	$9,228.00	$548,595 Land $51,700 Building $496,895	$548,595 Land $51,700 Building $496,895

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 100 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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