Bay County property record for 3503 E 3rd St, Panama City, FL 32401
| Property Type | Commercial Office |
|---|---|
| Details | 1,032 sqft · built 1974 |
| Lot Size | 0.091 acres (3,964 sqft) |
| Owner | Company Name on Record |
| Last Sale | $210,000 (Aug 2010) |
| Tax Bill | $465 (2025) |
| Deeds & Mortgages | Dec 2018 Mortgage Mar 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 23154-000-000 |
| Primary APN | 23154-000-000 |
|---|
| Total Rooms | 5 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,032 sqft Total Area |
| 1st Floor Area | 600 sqft |
| Interior Walls | Plywood |
| Year Built | Built 1974 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 3,964 sqft (0.091 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3503 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5665 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Legal Description | 11 4S 14W-148-118C1 BEG INTERS OF N RW LINE OF SR 22 & 140' E OF SW COR OF SW1/4 OF SW1/4 OF |
| 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 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 3218 JOSIE ST, PANAMA CITY, FL 32404-3242 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 17, 2018 | Deed of Trust, Mortgage UNITED STATES OF AMERICA |
| Mar 5, 2019 | Loan Modification, Mortgage US SMALL BUSN ADMN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2010 · Amount on Record |
| Deed Sale | Aug 16, 2010 · Amount on Record |
| Prior Sale | Apr 2, 2001 · Amount on Record |
| Deed Document Number | 0032621793 |
| Deed Book / Page | 2473 / 0087 |
| Prior Transfer Date | Jul 13, 2004 |
| Prior Transfer Doc | 2004-054356 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3503 E 3RD ST, PANAMA CITY, FL 32401-5665 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040700167 |
|---|---|
| Date | Dec 17, 2018 |
| Book Page | 4070/0167 |
| Instrument | 2018076128 |
| Name | UNITED STATES OF AMERICA |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 8, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3503 E 3RD ST, PANAMA CITY, FL 32401-5665 |
| Document Number | 0040980783 |
| Instrument Date | Mar 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2019 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3415 W 19TH ST #21 PANAMA CITY FL 324051549, 21, PANAMA CITY, FL 32405-1549 |
| Document Number | 0040980783 |
|---|---|
| Date | Mar 7, 2019 |
| Book Page | 004098/000783 |
| Instrument | 25051 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 6, 2049 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $465.00 (-20.1%) | $33,020 (-3.59%) Land $20,000 Building $13,020 | $33,020 (-3.59%) Land $20,000 Building $13,020 |
| 2023 | $582.00 (+17.58%) | $34,248 (+29.27%) Land $20,000 Building $14,248 | $34,248 (+29.27%) Land $20,000 Building $14,248 |
| 2022 | $495.00 | $26,493 Land $16,000 Building $10,493 | $26,493 Land $16,000 Building $10,493 |
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 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 |
|
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 | Not rated no burnable land within 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 | 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 |
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.
Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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