3501 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3501 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property Type	Commercial Vacant Land
Details	1,500 sqft · built 1988
Lot Size	0.228 acres (9,975 sqft)
Owner	Owner Name on File
Last Sale	$210,000 (Aug 2010)
Tax Bill	$641 (2025)
Deeds & Mortgages	Mar 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`23155-000-000`

Property Details

APN / Parcel Number

Primary APN	`23155-000-000`

Interior

Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,500 sqft
1st Floor Area	1,500 sqft

Exterior

Year Built	Built 1988
Exterior Material	Metal
Construction Type	Steel Frame
Lot Area	9,975 sqft (0.228 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Driveway	Driveway
Driveway Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3501 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5665
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	11 4S 14W-149-118C1 BEG 50' N & 40' E OF SW COR OF SW1/4 OF SW1/4 OF NE1/4 TH N 100'E 100'
Legal Range	14W
Legal Township	04S
Legal Section	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1000

Owner

Source: Bay County records · APN 23155-000-000

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	3218 JOSIE ST, PANAMA CITY, FL 32404-3242

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 20, 2010 · Amount on Record
Deed Sale	Aug 20, 2010 · Amount on Record
Deed Document Number	2010043548
Deed Book / Page	3262 / 1793
Record Updated	Jun 08, 2026

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	3501 E 3RD ST, PANAMA CITY, FL 32401-5665
Document Number	0040980783
Instrument Date	Mar 05, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3415 W 19TH ST #21 PANAMA CITY FL 324051549, 21, PANAMA CITY, FL 32405-1549

Mortgage

Document Number	0040980783
Date	Mar 07, 2019
Book Page	004098/000783
Instrument	25051

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 06, 2049

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$641.00 (-15.21%)	$53,200 (-) Land $50,000 Building $3,200	$53,200 (-) Land $50,000 Building $3,200
2024	$756.00 (+2.72%)	$53,200 (-) Land $50,000 Building $3,200	$53,200 (-) Land $50,000 Building $3,200
2023	$736.00 (+16.83%)	$53,200 (+23.15%) Land $50,000 Building $3,200	$53,200 (+23.15%) Land $50,000 Building $3,200
2022	$630.00	$43,200 Land $40,000 Building $3,200	$43,200 Land $40,000 Building $3,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.