3539 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3539 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1950
Lot Size	0.204 acres (8,886 sqft)
Owner	Individual Name on File
Last Sale	$30,000 (May 2016)
Tax Bill	$54 (2025)
Flood Zone	Zone X (minimal risk)
APN	`23596-000-000`

Property Details

APN / Parcel Number

Primary APN	`23596-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Asbestos
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,886 sqft (0.204 acres)
Lot Dimensions	117 ft deep x 76 ft wide
Porch	Finished/Open Porch
Porch Area	50 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	3539 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-6002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITING ADD LOT 10 BLK 3 LESS TH NORTH 28 ORB 3797 P 981
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	WHITING ADD
Legal Block	3
Legal Lot Number	10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2016
Census Tract	1000

Owner

Source: Bay County records · APN 23596-000-000

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	Individual Name on File
Mailing Address	3539 E 3RD ST, PANAMA CITY, FL 32401-6002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 20, 2016 · Amount on Record
Deed Sale	May 20, 2016 · Amount on Record
Deed Document Number	201626690
Deed Book / Page	3797 / 981
Prior Transfer Date	Feb 20, 2015
Prior Transfer Doc	0036781238
Record Updated	Jun 08, 2026

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$54.00 (-73.27%) Homeowner's exemption	$28,444 (+2.9%)	$37,979 (+8.97%) Land $20,748 Building $17,231
2024	$202.00 (+31.17%) Homeowner's exemption	$27,642 (+3%)	$34,852 (+14.46%) Land $18,465 Building $16,387
2023	$154.00 (+0.65%) Homeowner's exemption	$26,837 (+30.76%)	$30,450 (+42.74%) Land $13,832 Building $16,618
2022	$153.00 Homeowner's exemption	$20,524	$21,333 Land $12,448 Building $8,885

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
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force 2 of 3 on primary residences
Nearby Flood Claims	11 (1979–2020)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Nov 2020, rainfall accumulation
Flood Events	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.