Bay County property record for 3520 Lowe St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,242 sqft · built 1975 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Mar 2005) |
| Tax Bill | $2,822 (2025) |
| Deeds & Mortgages | Mar 2024 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 27007-020-000 |
| Primary APN | 27007-020-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,242 sqft Living Area |
| Gross Area | 2,892 sqft |
| 1st Floor Area | 2,014 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 125 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Driveway | Driveway |
| Porch | Florida Room |
| Porch Area | 372 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3520 LOWE ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-1715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 25 3S 15W W1/2 OF SW1/4 BEG 175 N & 260 W OF NE1/4 OF NW1/4 OF SW1/4 TH W 120 N 125 TO CANAL E ON CANAL 120 S 125 TO POB AKA LOT 4 BLK 2 UNR 1S T ADD P B PT -105- 79A ORB 4780 P 1219 |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 25 |
| Legal Subdivision | S T ADD |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 2500 |
3520 Lowe St is owned and occupied by two individuals who acquired it in March 2024.
Source: Bay County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3520 LOWE ST, PANAMA CITY, FL 32405-1715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2005 · Amount on File |
| Deed Sale | Mar 3, 2005 · Amount on File |
| Prior Sale | Nov 4, 2002 · Amount on File |
| Deed Document Number | 200516069 |
| Deed Book / Page | 2571 / 2132 |
| Last Transfer Date | Mar 6, 2024 |
| Transfer Doc | 0047801219 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 7, 2024 |
| Property Address | 3520 LOWE ST, PANAMA CITY, FL 32405-1715 |
| Document Number | 0047801219 |
| Book / Page | 4780 / 1219 |
| Instrument Date | Mar 6, 2024 |
| Instrument | 2024013089 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3520 LOWE ST, PANAMA CITY, FL 32405-1715 |
| Name | Verified Name |
|---|---|
| Address | 3520 LOWE ST, PANAMA CITY, FL 32405-1715 |
The 2025 property tax bill for 3520 Lowe St was $2,822 with exemptions applied, up 2.1% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,822.00 (+2.06%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $277,768 | $367,739 Land $136,262 Building $231,477 |
| 2024 | $2,765.00 (+2.45%) | ||
| 2023 | $2,699.00 (+9.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $261,466 (+3%) | $309,177 (+9.94%) Land $116,635 Building $192,542 |
| 2022 | $2,473.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $253,850 | $281,225 Land $105,468 Building $175,757 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3520 Lowe St in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 196 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 220 units insured incl. 24 condo units |
| Nearby Flood Claims | 203 (1984–2022) |
| Claims Outside the SFHA | 65 of 203 |
| Most Recent Claim | Jul 2022 · other causes |
| 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.
Wildfire risk around 3520 Lowe St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 159 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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