Bay County property record for 343 Spring Ave, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,646 sqft · built 1945 |
| Lot Size | 0.137 acres (5,967 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $229,000 (Apr 2024) |
| Tax Bill | $3,039 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22457-010-000 |
| Primary APN | 22457-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,646 sqft Living Area |
| 1st Floor Area | 1,646 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,967 sqft (0.137 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 180 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 343 SPRING AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4872 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MU1 |
| Legal Description | BENNETT & GOODGAME SUB LOT 1 BLK A ORB 4797 P 1246 MAP 105D1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | BENNETT & GOODGAME SUB |
| Legal Block | A |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 1800 |
Source: Bay County records, as of January 5, 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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 343 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Apr 30, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 1, 2021 | Warranty Deed, Transfer · VA Mortgage EVERETT FINANCIAL INC |
| Oct 30, 2019 | Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2024 · Amount on Record |
| Deed Sale | Apr 30, 2024 · Amount on Record |
| Prior Sale | Feb 1, 2021 · Amount on Record |
| Deed Document Number | 202425208 |
| Deed Book / Page | 4797 / 1246 |
| Prior Transfer Date | Aug 4, 2008 |
| Prior Transfer Doc | 0031170810 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 30, 2024 |
| Property Address | 343 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Document Number | 0047971246 |
| Book / Page | 4797 / 1246 |
| Instrument Date | Apr 26, 2024 |
| Instrument | 2024025208 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2024 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,603.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 343 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Document Number | 0047971248 |
|---|---|
| Date | Apr 30, 2024 |
| Instrument | 4797/1248 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 1, 2021 |
| Property Address | 343 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Document Number | 0043580224 |
| Book / Page | 4358 / 224 |
| Map Reference | MB 1 PG 45 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 2021007431 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,213.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7212 GRASSY POINT RD, 7212, SOUTHPORT, FL 32409-1438 |
| Name | Verified Name |
|---|---|
| Address | 2840 HARRISON AVE, PANAMA CITY, FL 32405-5067 |
| Document Number | 0004358226 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 4358/226 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 30, 2019 |
| Property Address | 343 SPRING AVE, PANAMA CITY, FL 32401-4872 |
| Document Number | 0041850821 |
| Book / Page | 004185 / 000821 |
| Instrument Date | Oct 23, 2019 |
| Instrument | 94667 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2019 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7212 GRASSY POINT RD PANAMA CITY FL 324091438, PANAMA CITY, FL 32409-1438 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,039.00 (+6.67%) | $192,428 (+18.21%) Land $15,400 Building $177,028 | $192,428 (+18.21%) Land $15,400 Building $177,028 |
| 2024 | $2,849.00 (-5.06%) | ||
| 2023 | $3,001.00 (+19.56%) | $162,786 (+10.98%) Land $12,000 Building $150,786 | $162,786 (+10.98%) Land $12,000 Building $150,786 |
| 2022 | $2,510.00 | $146,678 Land $9,000 Building $137,678 | $146,678 Land $9,000 Building $137,678 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 19 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 units insured incl. 28 condo units |
| Nearby Flood Claims | 19 (1979–2021) |
| Claims Outside the SFHA | 13 of 19 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures