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3509 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3509 E 3rd St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,008 sqft · built 1944
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on Record
Last Sale$23,000 (Dec 2019)
Tax Bill$472 (2025)
Deeds & MortgagesDec 2019 Sale
Dec 2019 Sale
Flood ZoneZone X (minimal risk)
APN23167-000-000

Property Details

APN / Parcel Number

Primary APN23167-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,008 sqft Heated Area
Gross Area1,340 sqft
1st Floor Area1,008 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1944
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area10,019 sqft (0.23 acres)
Lot Dimensions150 ft deep x 67 ft wide
PorchPorch
Porch Area140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3509 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-6001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description11 4S 14W-161-118C1 BEG 210' E & 50' N OF SW COR OF SW1/4 OF SW1/4 OF NE1/4 TH E 67' N 150'
Legal Range14W
Legal Township04S
Legal Section11
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2014
Census Tract1000

Owner

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 RecordIndividual Name on Record
Mailing Address3509 E 3RD ST, PANAMA CITY, FL 32401-6001
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 18, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Dec 2, 2019Warranty Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 2, 2019 · Amount on Record
Deed SaleDec 2, 2019 · Amount on Record
Deed Document Number0041961156
Record UpdatedJun 8, 2026

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 18, 2019
Property Address3509 E 3RD ST, PANAMA CITY, FL 32401-6001
Document Number0042022122
Book / Page004202 / 002122
Instrument DateDec 18, 2019
Instrument107077
Transaction TypeTransfer
Record UpdatedJan 9, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$98.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3509 E 3RD ST PANAMA CITY BEACH FL 324016001, PANAMA CITY BEACH, FL 32401-6001

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 2, 2019
Property Address3509 E 3RD ST, PANAMA CITY, FL 32401-6001
Document Number0041961156
Book / Page004196 / 001156
Instrument DateDec 2, 2019
Instrument102471
Transaction TypeTransfer
Record UpdatedDec 27, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3509 E 3RD ST PANAMA CITY FL 324016001, PANAMA CITY, FL 32401-6001

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalitySpringfield City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$472.00 (-15.56%)$46,078 (+22.39%) Land $20,100 Building $25,978$46,078 (+22.39%) Land $20,100 Building $25,978
2023$559.00 (+12.93%)$37,649 (+11.1%) Land $13,400 Building $24,249$37,649 (+11.1%) Land $13,400 Building $24,249
2022$495.00$33,889 Land $12,060 Building $21,829$33,889 Land $12,060 Building $21,829

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims11 (1979–2020)
Claims Outside the SFHA8 of 11
Most Recent ClaimNov 2020 · rainfall accumulation
Claims by Event
  • Severe Storms And Flooding, Jul 2013 · 2 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 RiskNot rated
no burnable land within ember reach

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 SystemCITY OF SPRINGFIELD
serves 8,075 people · EPA ID FL1030148
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionOct 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 325 locations within half a mile, as of December 31, 2025

ProviderMax 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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