3603 E 14th St, Panama City, FL 32404 Property Records

Bay County property record for 3603 E 14th St, Panama City, FL 32404

Property Summary

Property Type	Vacant Land
Lot Size	0.137 acres (5,967 sqft)
Owner	Individual Name on File
Last Sale	$43,000 (Mar 2026)
Tax Bill	$225 (2025)
Deeds & Mortgages	Mar 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`15085-010-000`

Property Details

APN / Parcel Number

Primary APN	`15085-010-000`

Exterior

Lot Area	5,967 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Location & Zoning

Street Address	3603 E 14TH ST
City	PANAMA CITY
State	FL
Zip	32404-5832
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	R2
Legal Description	SPRINGFIELD FARMS (118A2) THE SOUTH 100 OF LOT 14 BLK 2 ORB 2647 P 701
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	SPRINGFIELD FARMS
Legal Block	2
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1011
Census Tract	1100

Owner

3603 E 14th St, vacant land, is owned by an individual who bought it in March 2026.

Source: Bay County records, as of March 26, 2026

Owner of Record	Individual Name on File
Mailing Address	3605 E 13TH CT, PANAMA CITY, FL 32404-9470
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2026 · Amount on File
Deed Sale	Mar 5, 2026 · Amount on File
Prior Sale	Jul 29, 2005 · Amount on File
Deed Document Number	202613495
Deed Book / Page	5009 / 1120
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 5, 2026
Property Address	3603 E 14TH ST, PANAMA CITY, FL 32404-5832
Document Number	0050091120
Book / Page	5009 / 1120
Instrument Date	Mar 5, 2026
Instrument	2026013495
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Tax	$301.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13204 HIBISCUS ST, PANAMA CITY BEACH, FL 32407-3229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 E 13TH CT, PANAMA CITY, FL 32404-9470

Tax Assessment & Valuation

The 2025 property tax bill for 3603 E 14th St was $225, up 10.3% from the year before.

Source: Bay County assessment roll, as of January 5, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$225.00 (+10.29%)	$16,801	$20,145 Land $20,145
2024	$204.00 (+9.09%)
2023	$187.00 (+26.35%)	$16,320 (+24.03%) Land $16,320	$16,320 (+24.03%) Land $16,320
2022	$148.00	$13,158 Land $13,158	$13,158 Land $13,158

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3603 E 14th St in Zone X, an area of minimal 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 minimal risk
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	Hurricane Michael, Oct 2018 · 8 claims Severe Storms And Flooding, Jul 2013 · 2 claims Hurricane Dennis, Jul 2005 · 2 claims

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

Wildfire risk around 3603 E 14th St is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 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	100 / 20