3604 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3604 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 929 sqft · built 1942
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Sep 2022)
Tax Bill	$1,931 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23519-001-000`

Property Details

APN / Parcel Number

Primary APN	`23519-001-000`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	929 sqft Living Area
1st Floor Area	929 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1942
Effective Year Built	Effective 2022
Exterior Material	Wood Shingle
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	175 ft deep x 50 ft wide
Porch	Unfinished Open Porch
Porch Area	161 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3604 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-493.1-118C4-BEG 198 W OF NE COR OF NE1/4 OF NW1/4 OF SE1/4 TH W 50 S 245 E 98 N 105 W 48 N 140 TO POB ORB LESS -493.1A- ORB 4608 P 1439
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 23519-001-000

Assessment roll updated January 5, 2026 · Last verified April 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	3604 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	Sep 09, 2022 · Amount on Record
Deed Sale	Sep 09, 2022 · Amount on Record
Prior Sale	Jun 04, 2014 · Amount on Record
Deed Document Number	202267168
Deed Book / Page	4608 / 1439
Prior Transfer Date	Jul 21, 2006
Prior Transfer Doc	0028100540
Record Updated	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 09, 2022
Property Address	3604 E 3RD ST, PANAMA CITY, FL 32401-5674
Document Number	0046081439
Book / Page	4608 / 1439
Instrument Date	Sep 08, 2022
Instrument	2022067168
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2512 BRADFORD SQ NE, ATLANTA, GA 30345-1336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 E 3RD ST, PANAMA CITY, FL 32401-5674

Mortgage

Document Number	0046081441
Date	Sep 09, 2022
Instrument	4608/1441

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 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	$1,931.00 (-7.87%)	$120,552 (+21%)	$124,193 (+24.65%) Land $17,850 Building $106,343
2024	$2,096.00 (+17.49%)
2023	$1,784.00 (+61.45%)	$99,630 (+62.91%) Land $11,865 Building $87,765	$99,630 (+62.91%) Land $11,865 Building $87,765
2022	$1,105.00	$61,156 Land $10,762 Building $50,394	$61,156 Land $10,762 Building $50,394

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.