3409 E 2nd St, Panama City, FL 32401 Property Records

Bay County property record for 3409 E 2nd St, Panama City, FL 32401

Property Summary

Property Type	Vacant Land
Details	3 bd · 2 ba · 924 sqft · built 1985
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on File
Tax Bill	$630 (2025)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23890-000-000`

Property Details

APN / Parcel Number

Primary APN	`23890-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	924 sqft
Gross Area	972 sqft
1st Floor Area	924 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	100 ft deep x 120 ft wide
Porch	Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3409 E 2ND ST
City	PANAMA CITY
State	FL
Zip	32401-5640
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	SPRINGFIELD PLAT (5.05) W 116 LOT 5 & LOT 6 LESS E 135 BLK 15 MAP 118C2 ORB 4843 P 360
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	SPRINGFIELD PLAT
Legal Block	15
Legal Lot Number	5,6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2035
Census Tract	1000

Owner

3409 E 2nd St, vacant land, is owned by an individual who acquired it in September 2024.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	3118 W 20TH CT, PANAMA CITY, FL 32405-1823
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 18, 2024
Transfer Doc	0048430360
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3409 E 2ND ST, PANAMA CITY, FL 32401-5640
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BRIDGE HARBOR DR, PANAMA CITY, FL 32404-8180

Mortgage

Document Number	0046441755
Date	Dec 30, 2022
Book Page	4644/1755
Instrument	2022091721

Lender

Name	NVESTOR FUNDING INC
Type	Non-Lending Institution
Address	TEMPE, AZ 85283

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	9.62%
Type Change Date	Jan 1, 2028
Change Frequency	6 Months
Min Rate At Change	7.62%
Max Rate At Change	11.6%
Index	Other
Max Rate	14.6%

Tax Assessment & Valuation

The 2025 property tax bill for 3409 E 2nd St was $630, up 1.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$630.00 (+1.45%)	$39,780 (+11.75%) Land $39,780	$39,780 (+11.75%) Land $39,780
2024	$621.00 (+11.89%)	$35,598 (+30.71%) Land $35,598	$35,598 (+30.71%) Land $35,598
2023	$555.00 (+14.91%)	$27,234 (+21.36%) Land $27,234	$27,234 (+21.36%) Land $27,234
2022	$483.00	$22,440 Land $22,440	$22,440 Land $22,440

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

Flood

FEMA maps place 3409 E 2nd St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Nov 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2013 · 2 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 3409 E 2nd St is low, with 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	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	CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20