Bay County property record for 3438 Token Rd, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,974 sqft · built 1968 |
| Lot Size | 2.68 acres (117,046 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $900,000 (Oct 2025) |
| Tax Bill | $5,478 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Aug 2019 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 11755-000-000 |
| Primary APN | 11755-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,974 sqft Heated Area |
| Gross Area | 3,796 sqft |
| 1st Floor Area | 2,075 sqft |
| 2nd Floor Area | 899 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 117,046 sqft (2.68 acres) |
| Lot Dimensions | 378 ft deep x 310 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Driveway | Driveway |
| Driveway Area | 72 sqft |
| Pool Area | 578 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 54 sqft |
| Patio Area | 234 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3438 TOKEN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC01 |
| Legal Description | 20 3S 14W ST A B DEV CO -6- 90D BEG 6' N & 33' W OF NE COR L-70 TH W TO DITCH NWLY & WLY |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 20 |
| Legal Subdivision | ST ANDREW BAY DEV CO |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1098 |
| Census Tract | 1501 |
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 | 3438 TOKEN RD, PANAMA CITY, FL 32405-3321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 8, 2019 | Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK |
| Mar 9, 2020 | Loan Modification, Mortgage NOT AVAILABLE |
| Feb 17, 2017 | Warranty Deed, Transfer · Conventional Mortgage MTI TITLE INSURANCE AGENCY I |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2025 · Amount on Record |
| Deed Sale | Oct 23, 2025 · Amount on Record |
| Prior Sale | Feb 17, 2017 · Amount on Record |
| Deed Document Number | 2025061682 |
| Deed Book / Page | 4965 / 2383 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 23, 2025 |
| Property Address | 3438 TOKEN RD, PANAMA CITY, FL 32405-3321 |
| Document Number | 0049652383 |
| Book / Page | 4965 / 2383 |
| Instrument Date | Oct 22, 2025 |
| Instrument | 2025061682 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3438 TOKEN RD, PANAMA CITY, FL 32405-3321 |
| Name | Verified Name |
|---|---|
| Address | 3438 TOKEN RD, PANAMA CITY, FL 32405-3321 |
| Document Number | 0049652385 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 4965/2385 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3438 TOKEN RD, PANAMA CITY, FL 32405-3321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041540292 |
|---|---|
| Date | Aug 8, 2019 |
| Book Page | 4154/0292 |
| Instrument | 2019071352 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Feb 18, 2020 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3438 TOKEN RD, PANAMA CITY, FL 32405-3321 |
| Document Number | 0042330888 |
| Instrument Date | Mar 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3438 TOKEN RD PANAMA CITY FL 324053321, PANAMA CITY, FL 32405-3321 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 17, 2017 |
| Property Address | 3438 TOKEN RD, PANAMA CITY, FL 32405-3321 |
| Document Number | 0038750293 |
| Book / Page | 3875 / 0293 |
| Instrument Date | Feb 17, 2017 |
| Instrument | 2017009159 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | MTI TITLE INSURANCE AGENCY I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 27311, PANAMA CITY, FL 32411-7311 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3438 TOKEN RD, PANAMA CITY, FL 32405-3321 |
| Document Number | , 2017009160 |
|---|---|
| Date | Feb 17, 2017 |
| Instrument | 2017009160 |
| Type | Bank |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $5,478.00 (-1.53%) Homeowner's exemption Widower's exemption | $393,930 (+3.56%) | $405,723 (+3.9%) Land $130,320 Building $275,403 |
| 2024 | $5,563.00 (-2.25%) Homeowner's exemption Widower's exemption | $380,381 (+2.24%) | $390,496 (+4.96%) Land $130,319 Building $260,177 |
| 2023 | $5,691.00 (-0.91%) Homeowner's exemption Widower's exemption | $372,046 (+8.18%) Land $110,167 Building $261,879 | $372,046 (+8.18%) Land $110,167 Building $261,879 |
| 2022 | $5,743.00 | $343,912 Land $104,793 Building $239,119 | $343,912 Land $104,793 Building $239,119 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 18.6 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 |
|
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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 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.
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 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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