3453 Harrison Ave, Panama City, FL 32405 Property Records

Bay County property record for 3453 Harrison Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,081 sqft · built 2004
Lot Size	1.26 acres (54,885 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Feb 2016)
Tax Bill	$3,078 (2025)
Deeds & Mortgages	Sep 2021 Transfer
Flood Zone	Zone A (high risk)
APN	`11740-010-010`

Property Details

APN / Parcel Number

Primary APN	`11740-010-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,081 sqft Living Area
Gross Area	2,606 sqft
1st Floor Area	1,881 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	54,885 sqft (1.26 acres)
Garage Type	Attached
Garage Area	525 sqft
Driveway	Driveway
Driveway Area	1,280 sqft

Exterior Amenities

Porch	Slab
Porch Area	466 sqft
Patio Area	144 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3453 HARRISON AVE
City	PANAMA CITY
State	FL
Zip	32405-4273
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	20 3S 14W -1.1- ST AND BAY DEV CO PLAT COM AT INTERSECT OF S LINE LOT 80 & W R/W HARRISON AV N 270 FOR POB TH CONT N 90 TO N LINE LOT 65 W 609.60 TO W LINE LOT 65 S 90 E 609.60 TO POB AKA PCL #4 ORB 4462 P 1035
Legal Range	14W
Legal Township	03S
Legal Section	20
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	80
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1066
Census Tract	1501

Owner

Source: Bay County records, as of May 6, 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
Mailing Address	3453 HARRISON AVE, PANAMA CITY, FL 32405-4273
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2016 · Amount on Record
Deed Sale	Feb 2, 2016 · Amount on Record
Prior Sale	May 26, 2004 · Amount on Record
Deed Document Number	20165349
Deed Book / Page	3768 / 879
Last Transfer Date	Sep 20, 2021
Transfer Doc	0044621035
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Sep 20, 2021
Property Address	3453 HARRISON AVE, PANAMA CITY, FL 32405-4273
Document Number	0044621035
Book / Page	4462 / 1035
Instrument Date	Sep 20, 2021
Instrument	2021071734
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3453 HARRISON AVE, PANAMA CITY, FL 32405-4273

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	$3,078.00 (-1.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$241,965 (+5.99%)	$267,895 (+3.41%) Land $40,130 Building $227,765
2024	$3,123.00 (-6.61%)
2023	$3,344.00 (+6.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$228,297 (+3%)	$259,056 (+6.78%) Land $40,130 Building $218,926
2022	$3,149.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$221,648	$242,602 Land $40,130 Building $202,472

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
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	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	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 228 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 · Fiber in parts of the area	100 / 20