3509 D St, Panama City, FL 32404 Property Records

Bay County property record for 3509 D St, Panama City, FL 32404

Property Summary

Property Type	Commercial Vacant Land
Details	1 ba · 848 sqft · built 1975
Lot Size	0.396 acres (17,249 sqft)
Owner	Company Name on File
Last Sale	$87,000 (Dec 2021)
Tax Bill	$883 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`11914-110-000`

Property Details

APN / Parcel Number

Primary APN	`11914-110-000`

Interior

Full Baths	1 Bath
Total Rooms	2 Rooms
Units	2 Units
Stories	1 Story
Building Area	848 sqft Total Area
1st Floor Area	848 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Baked Enamel
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,249 sqft (0.396 acres)
Lot Dimensions	115 ft deep x 150 ft wide
Porch	Finished/Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	3509 D ST
City	PANAMA CITY
State	FL
Zip	32404-2025
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	BC16
Legal Description	24 3S 14W -17.12- 116D ST A B DEV CO PLAT BEG 30 N & 40 E OF SW COR TH N 98.7 E 150 S 98.7 W 150 TO POB AKA LOT 7 BLK E PINEWOOD GROVE UNREC ORB 4504 P 777
Legal Range	14W
Legal Township	03S
Legal Section	24
Legal Subdivision	PINEWOOD GROVE
Legal Block	E
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1009
Census Tract	1302

Owner

3509 D St, commercial vacant land, is owned by a company that bought it in December 2021.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	2636 AVONDALE CT, PANAMA CITY, FL 32404-3090
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Warranty Deed, Transfer · Commercial Mortgage BANCORPSOUTH BANK
Feb 27, 2020	Warranty Deed, Transfer SOUTH OAK TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on File
Deed Sale	Dec 28, 2021 · Amount on File
Prior Sale	Feb 27, 2020 · Amount on File
Deed Document Number	202197952
Deed Book / Page	4504 / 777
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 28, 2021
Property Address	3509 D ST, PANAMA CITY, FL 32404-2025
Document Number	0045040777
Book / Page	4504 / 777
Instrument Date	Dec 17, 2021
Instrument	2021097952
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$609.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5117 STEWART DR, 5117, PANAMA CITY, FL 32404-5313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2636 AVONDALE CT, PANAMA CITY, FL 32404-3090

Mortgage

Document Number	0004504779
Date	Dec 28, 2021
Instrument	4504/779

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 27, 2020
Property Address	3509 D ST, PANAMA CITY, FL 32404-2025
Document Number	0042262064
Book / Page	004226 / 002064
Instrument Date	Feb 26, 2020
Instrument	15217
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	SOUTH OAK TITLE LLC

Transaction

Amount	Amount on Record
Tax	$378.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5117 STEWART DR PANAMA CITY FL 324045313, PANAMA CITY, FL 32404-5313

Tax Assessment & Valuation

The 2025 property tax bill for 3509 D St was $883, up 0.2% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$883.00 (+0.23%)	$71,404 Land $69,000 Building $2,404	$71,404 Land $69,000 Building $2,404
2024	$881.00 (-1.45%)
2023	$894.00 (+11.61%)	$71,404 (+2.91%) Land $69,000 Building $2,404	$71,404 (+2.91%) Land $69,000 Building $2,404
2022	$801.00	$69,384 Land $69,000 Building $384	$69,384 Land $69,000 Building $384

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3509 D St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 73 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	45 (2002–2021)
Claims Outside the SFHA	27 of 45
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Tropical Storm Fred, Aug 2021 · 5 claims Hurricane Michael, Oct 2018 · 23 claims Severe Storms And Flooding, Jul 2013 · 4 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

Wildfire risk around 3509 D St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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