3538 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3538 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property Type	Warehouse, Storage
Details	1 bd · 1 ba · 1,000 sqft · built 2020
Lot Size	0.114 acres (4,965 sqft)
Owner	Company Name on File
Last Sale	$160,000 (Oct 2024)
Tax Bill	$1,733 (2025)
Deeds & Mortgages	May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23523-000-000`

Property Details

APN / Parcel Number

Primary APN	`23523-000-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,000 sqft Gross Area
1st Floor Area	1,000 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,965 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	240 sqft
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	65 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3538 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5666
Property Category	Industrial
Property Type	Industrial > Warehouse, Storage
Legal Description	11 4S 14W-497- BEG 120 E OF INTERS OF HWY 22 & E R/W LINE OF RR FOR POB TH S 100 E 50 N 100 W 50 TO POB ORB 3603 P 1024
Legal Range	14W
Legal Township	04S
Legal Section	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2019
Census Tract	1000

Owner

Source: Bay County records · APN 23523-000-000

Assessment roll updated January 5, 2026 · Last verified April 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 File
Mailing Address	129 GANNET LN, OCEAN SPRINGS, MS 39564-6301
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 29, 2024 · Amount on Record
Deed Sale	Oct 29, 2024 · Amount on Record
Prior Sale	Apr 25, 2014 · Amount on Record
Deed Document Number	202463543
Deed Book / Page	4854 / 1486
Prior Transfer Date	May 03, 2011
Prior Transfer Doc	0033220371
Record Updated	Jun 08, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3538 E 3RD ST, PANAMA CITY, FL 32401-5666
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041200452
Date	May 07, 2019
Book Page	4120/0452
Instrument	2019044298

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Feb 01, 2049

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,733.00 (+148.64%)	$109,324 (+265.24%) Land $25,000 Building $84,324	$109,324 (+265.24%) Land $25,000 Building $84,324
2024	$697.00 (+8.4%)
2023	$643.00 (+8.43%)	$29,932 (+3.08%) Land $9,605 Building $20,327	$29,932 (+3.08%) Land $9,605 Building $20,327
2022	$593.00	$29,039 Land $8,712 Building $20,327	$29,039 Land $8,712 Building $20,327

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050010002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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 Storm	Severe Storms And Flooding, Jul 2013 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 325 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WOW Internet, Cable & Phone	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: WOW Internet, Cable & Phone, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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