3600 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3600 E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1935
Lot Size	0.301 acres (13,112 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (May 2017)
Tax Bill	$403 (2025)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23513-000-000`

Property Details

APN / Parcel Number

Primary APN	`23513-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Heated Area
Gross Area	1,826 sqft
1st Floor Area	1,224 sqft
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,112 sqft (0.301 acres)
Lot Dimensions	160 ft deep x 82 ft wide
Driveway	Driveway
Driveway Area	400 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	288 sqft
Porch	Porch
Porch Area	160 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3600 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-5674
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 4S 14W -487- BEG AT NE COR OF NW1/4 OF NE1/4 OF NW1/4 OF SE1/4 TH E
Legal Range	14W
Legal Township	04S
Legal Section	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2018
Census Tract	1000

Owner

Source: Bay County records · APN 23513-000-000

Assessment roll updated July 1, 2025 · Last verified February 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	3600 E 3RD ST, PANAMA CITY, FL 32401-5674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 30, 2017 · Amount on Record
Deed Sale	May 30, 2017 · Amount on Record
Prior Sale	Jun 28, 2016 · Amount on Record
Deed Document Number	0000390544
Deed Book / Page	3905 / 44
Record Updated	Jun 08, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 30, 2017
Property Address	3600 E 3RD ST, PANAMA CITY, FL 32401-5674
Document Number	0039050044
Book / Page	003905 / 000044
Instrument Date	May 30, 2017
Instrument	30571
Transaction Type	Transfer
Record Updated	Jul 04, 2017
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3600 E 3RD ST PANAMA CITY BEACH FL 324015674, PANAMA CITY BEACH, FL 32401-5674

Mortgage

Document Number	39050046
Date	May 30, 2017
Book Page	003905/000046
Instrument	30572

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2047

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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	$403.00 (-28.04%) Homeowner's exemption	$51,320 (+5.99%)	$81,250 (+17.72%) Land $28,716 Building $52,534
2023	$560.00 (+13.59%) Homeowner's exemption	$48,421 (+3%)	$69,020 (+8.37%) Land $19,087 Building $49,933
2022	$493.00 Homeowner's exemption	$47,011	$63,688 Land $17,314 Building $46,374

Flood & Wildfire

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

Flood

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	Severe Storms And Flooding, Jul 2013 · 2 claims

Wildfire

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 219 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL1030148, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF SPRINGFIELD serves 8,075 people
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.