Bay County property record for 3603 E 11th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,844 sqft · built 1971 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Owner Name on File |
| Last Sale | $79,000 (Nov 2002) |
| Tax Bill | $2,488 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 15376-000-000 |
| Primary APN | 15376-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,844 sqft Heated Area |
| Gross Area | 2,048 sqft |
| 1st Floor Area | 1,844 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plywood |
| Year Built | Built 1971 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Porch | Porch |
| Porch Area | 96 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3603 E 11TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14WW-178- W1/2 OF W1/2 OF SE1/4 OF SW1/4 OF NE1/4 LESS EASEMENT AS PER ORB |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 1100 |
The current owner of 3603 E 11th St bought it in November 2002.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 218 S WELLS ST, PANAMA CITY BEACH, FL 32413-1982 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2002 · Amount on File |
| Deed Sale | Nov 5, 2002 · Amount on File |
| Deed Document Number | 2002-068468 |
| Deed Book / Page | 2202 / 1466 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3603 E 11th St was $2,488.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $2,488.00 | $156,945 Land $75,000 Building $81,945 | $156,945 Land $75,000 Building $81,945 |
| 2023 | $2,374.00 (+17.18%) | $139,612 (+15.01%) Land $65,250 Building $74,362 | $139,612 (+15.01%) Land $65,250 Building $74,362 |
| 2022 | $2,026.00 | $121,392 Land $53,750 Building $67,642 | $121,392 Land $53,750 Building $67,642 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3603 E 11th St in Zone X, an area of moderate flood risk, though there have been 18 flood claims nearby since 1998.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 18 (1998–2021) |
| Claims Outside the SFHA | 10 of 18 |
| Most Recent Claim | Oct 2021 · 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.
Wildfire risk around 3603 E 11th St is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 | 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 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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