Bay County property record for 3530 E 43rd St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,830 sqft · built 1993 |
| Lot Size | 0.462 acres (20,124 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $70,000 (Jan 2019) |
| Tax Bill | $2,250 (2025) |
| Deeds & Mortgages | Feb 2023 Sale Jun 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11457-000-000 |
| Primary APN | 11457-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,830 sqft Living Area |
| 1st Floor Area | 1,830 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 20,124 sqft (0.462 acres) |
| Lot Dimensions | 175 ft deep x 115 ft wide |
| Garage Type | Carport |
| Garage Area | 480 sqft |
| Carport | Carport |
| Carport Area | 480 sqft |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 688 sqft |
| Deck Area | 300 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3530 E 43RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 13 3S 14W -88.1- ST.A.B.DEV.CO BEG 105 W OF INT OF S R/W LINE 43RD ST & W R/W GARRISON RD TH W 115 S 175 E 115 N 175 TO POB ORB 4703 P 231 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 13 |
| Legal Subdivision | ST ANDREW BAY DEV CO |
| Legal Lot Number | 72 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 1301 |
3530 E 43rd St is owned and occupied by two individuals who acquired it in November 2022.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3530 E 43RD ST, PANAMA CITY, FL 32404-9261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 21, 2023 | Warranty Deed, Transfer |
| Jun 27, 2023 | Warranty Deed, Transfer |
| Apr 1, 2022 | Warranty Deed, Transfer |
| Jan 22, 2019 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2019 · Amount on File |
| Deed Sale | Jan 22, 2019 · Amount on File |
| Prior Sale | Feb 19, 2016 · Amount on File |
| Deed Document Number | 20198236 |
| Deed Book / Page | 4081 / 1301 |
| Last Transfer Date | Nov 1, 2022 |
| Transfer Doc | 0047030231 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 21, 2023 |
| Property Address | 3530 E 43RD ST, PANAMA CITY, FL 32404-9261 |
| Document Number | 0046590189 |
| Book / Page | 4659 / 189 |
| Instrument Date | Nov 1, 2022 |
| Instrument | 2023010233 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3530 E 43RD ST, PANAMA CITY, FL 32404-9261 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 27, 2023 |
| Property Address | 3530 E 43RD ST, PANAMA CITY, FL 32404-9261 |
| Document Number | 0047030231 |
| Book / Page | 4703 / 231 |
| Instrument Date | Nov 1, 2022 |
| Instrument | 2023039546 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 277 PRIVATE ROAD 2350, UVALDE, TX 78801-6782 |
| Name | Verified Name |
|---|---|
| Address | 3530 E 43RD ST, PANAMA CITY, FL 32404-9261 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 1, 2022 |
| Property Address | 3530 E 43RD ST, PANAMA CITY, FL 32404-9261 |
| Document Number | 0045450597 |
| Book / Page | 4545 / 597 |
| Instrument Date | Nov 10, 2021 |
| Instrument | 2022024447 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 ROLETO DR, SAN ANTONIO, TX 78213-2425 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 22, 2019 |
| Property Address | 3530 E 43RD ST, PANAMA CITY, FL 32404-9261 |
| Document Number | 0040811301 |
| Book / Page | 004081 / 001301 |
| Instrument Date | Jan 22, 2019 |
| Instrument | 8236 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2019 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $490.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 108 ROLETO DR SAN ANTONIO TX 782132425, SAN ANTONIO, TX 78213-2425 |
The 2025 property tax bill for 3530 E 43rd St was $2,250 with a homeowner's exemption, up 1.7% 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 | $2,250.00 (+1.67%) Homeowner's exemption | $221,480 | $226,353 Land $39,968 Building $186,385 |
| 2024 | $2,213.00 (+0.32%) | ||
| 2023 | $2,206.00 (-2.73%) Homeowner's exemption | $212,049 (+9.87%) Land $31,878 Building $180,171 | $212,049 (+9.87%) Land $31,878 Building $180,171 |
| 2022 | $2,268.00 | $192,996 Land $27,772 Building $165,224 | $192,996 Land $27,772 Building $165,224 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3530 E 43rd St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1998.
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 |
| Flood Insurance Cost | Premium on File median of 30 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 8 (1998–2020) |
| Claims Outside the SFHA | 8 of 8 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 3530 E 43rd St is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | None beyond 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 | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 119 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 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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