Bay County property record for 3540 E 3rd St, Panama City, FL 32401 · Last verified April 2026
| Property Type | Mobile Home |
|---|---|
| Details | 5 bd · 2 ba · 2,432 sqft · built 2018 |
| Lot Size | 0.282 acres (12,283 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,131 (2025) |
| Deeds & Mortgages | May 2018 Mortgage Aug 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 23524-000-000 |
| Primary APN | 23524-000-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,432 sqft Living Area |
| 1st Floor Area | 2,432 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,283 sqft (0.282 acres) |
| Lot Dimensions | 150 ft deep x 82 ft wide |
| Garage Type | Detached |
| Porch | Unfinished Open Porch |
| Porch Area | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3540 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5666 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | 11 4S 14W -498- 118C4- BEG ON S LINE OF STATE ROAD 22 170 E OF INTERS OF SD HWY LINE & E R/W LINE OF RR TH S 150 E 82 N 150 W 82 TO POB W 70 TO BEG ORB 827 P 23 ORB 4157 P 744 |
| 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 |
Source: Bay County records · APN 23524-000-000
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 | 3540 E 3RD ST, PANAMA CITY, FL 32401-5666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage 21ST MORTGAGE CORP |
| Aug 16, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Aug 16, 2019 |
| Transfer Doc | 0041570744 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3540 E 3RD ST, PANAMA CITY, FL 32401-5666 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040072177 |
|---|---|
| Date | May 14, 2018 |
| Book Page | 4007/2177 |
| Instrument | 2018028429 |
| Name | 21ST MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | KNOXVILLE, TN 37902 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 186 Months |
| Due | Nov 15, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 16, 2019 |
| Property Address | 3540 E 3RD ST, PANAMA CITY, FL 32401-5666 |
| Document Number | 0041570744 |
| Book / Page | 004157 / 000744 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 73794 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3540 E 3RD ST PANAMA CITY FL 324015666, PANAMA CITY, FL 32401-5666 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
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 | $1,131.00 (-13.86%) Homeowner's exemption | $113,407 (+5.99%) | $118,737 (+4.79%) Land $27,880 Building $90,857 |
| 2024 | $1,313.00 (+3.22%) | ||
| 2023 | $1,272.00 (+9.09%) Homeowner's exemption | $107,001 (+3%) | $113,310 (+6.05%) Land $18,532 Building $94,778 |
| 2022 | $1,166.00 Homeowner's exemption | $103,884 | $106,849 Land $16,810 Building $90,039 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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; lenders make the official flood determination.
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