Bay County property record for 3542 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,530 sqft · built 1945 |
| Lot Size | 0.287 acres (12,501 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Jun 2025) |
| Tax Bill | $3,262 (2025) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage Mar 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 23525-000-000 |
| Primary APN | 23525-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,530 sqft Living Area |
| 1st Floor Area | 1,530 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,501 sqft (0.287 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| Garage Type | Carport |
| Garage Area | 504 sqft |
| Carport | Carport |
| Carport Area | 504 sqft |
| Driveway | Driveway |
| Driveway Area | 600 sqft |
| Porch | Slab |
| Porch Area | 132 sqft |
| Patio Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3542 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11 4S 14W -499- -BEG ON S LI OF ST RD 22 240 E OF INTERS OF HWY & E RW LI OF RR TH S 150 E 85.2 N 150 W 82 TO BEG LESS AND EXCEPT ANY PORTION IN ORB 686 P 43 ****AKA**** BEG ON S LI OF ST RD 22 252 E OF INTERS OF HWY & E RW LI OF RR TH S 150 E 73.2 N |
| 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 assessment roll, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3015 E 3RD CT, PANAMA CITY, FL 32401-5407 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Jul 25, 2019 | Warranty Deed, Transfer · VA Mortgage ROYAL UNITED MORTGAGE LLC |
| Mar 8, 2017 | Grant Deed OTHER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2025 · Amount on Record |
| Deed Sale | Jun 27, 2025 · Amount on Record |
| Prior Sale | Apr 30, 2024 · Amount on Record |
| Deed Document Number | 202536240 |
| Deed Book / Page | 4927 / 462 |
| Prior Transfer Date | Jul 12, 2024 |
| Prior Transfer Doc | 0048201625 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 25, 2019 |
| Property Address | 3542 E 3RD ST, PANAMA CITY, FL 32401-5666 |
| Document Number | 0041481819 |
| Book / Page | 4148 / 1819 |
| Instrument Date | Jul 23, 2019 |
| Instrument | 2019067351 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $910.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3542 E 3RD ST, 3542, PANAMA CITY, FL 32401-5666 |
| Name | Verified Name |
|---|---|
| Address | 19568 FRIENDSVILLE AVE, MOUNT CARMEL, IL 62863-4107 |
| Document Number | 0041481821 |
|---|---|
| Date | Jul 25, 2019 |
| Instrument | 4148/1821 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 8, 2017 |
| Property Address | 3542 E 3RD ST, PANAMA CITY, FL 32401-5666 |
| Document Number | 0038800432 |
| Book / Page | 003880 / 000432 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 12707 |
| Record Updated | May 23, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3542 E 3RD ST PANAMA CITY BEACH FL 324015666, PANAMA CITY BEACH, FL 32401-5666 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,262.00 (+9.28%) | $188,400 (+10.65%) Land $28,220 Building $160,180 | $188,400 (+10.65%) Land $28,220 Building $160,180 |
| 2023 | $2,985.00 (+15.7%) | $170,274 (+10.21%) Land $18,758 Building $151,516 | $170,274 (+10.21%) Land $18,758 Building $151,516 |
| 2022 | $2,580.00 | $154,497 Land $17,015 Building $137,482 | $154,497 Land $17,015 Building $137,482 |
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 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 | Not rated no burnable land within ember reach |
|---|
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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