Bay County property record for 3540 Token Rd, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,752 sqft · built 2022 |
| Lot Size | 1.12 acres (48,830 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Feb 2014) |
| Tax Bill | $6,741 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11756-021-000 |
| Primary APN | 11756-021-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,752 sqft Living Area |
| Gross Area | 4,464 sqft |
| 1st Floor Area | 1,775 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 48,830 sqft (1.12 acres) |
| Lot Dimensions | 296 ft deep x 165 ft wide |
| Garage Type | Attached |
| Garage Area | 712 sqft |
| Driveway | Driveway |
| Driveway Area | 2,240 sqft |
| Porch | Open Porch |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3540 TOKEN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 20 3S 14W -7.21- ST AND BAY DEV CO PLAT COM AT SW COR OF LOT 54 TH E 20 TO E R/W TOKEN RD TH N 165 FOR POB TH CONT N 165.06 E 301.54 S 165.06 W 301.54 TO POB LESS ANY PART THAT MAY LIE WITHIN S1/2 OF W1/2 OF LOT 54 LESS THE W 5 ORB 3588 P 2079 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 20 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Legal Lot Number | 54 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 1501 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3540 TOKEN RD, PANAMA CITY, FL 32405-3322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2014 · Amount on File |
| Deed Sale | Feb 28, 2014 · Amount on File |
| Prior Sale | Apr 20, 2007 · Amount on File |
| Deed Document Number | 201410892 |
| Deed Book / Page | 3588 / 2079 |
| Prior Transfer Date | Jan 27, 2014 |
| Prior Transfer Doc | 0035811903 |
| Record Updated | Jun 8, 2026 |
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 | $6,741.00 (+2.63%) Homeowner's exemption | $584,420 (+5.99%) | $589,495 (+4.88%) Land $91,228 Building $498,267 |
| 2024 | $6,568.00 (+1.75%) | ||
| 2023 | $6,455.00 (+639.4%) Homeowner's exemption | $551,407 (+628.95%) | $562,048 (+643.02%) Land $77,121 Building $484,927 |
| 2022 | $873.00 | $75,644 Land $73,359 Building $2,285 | $75,644 Land $73,359 Building $2,285 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 300 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 300 in force |
| Nearby Flood Claims | 154 (1984–2022) |
| Claims Outside the SFHA | 16 of 154 |
| Most Recent Claim | May 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | 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 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
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