Bay County property record for 3604 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,233 sqft · built 2007 |
| Lot Size | 0.207 acres (9,060 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Sep 2022) |
| Tax Bill | $2,517 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jan 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 15514-040-000 |
| Primary APN | 15514-040-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,233 sqft Heated Area |
| Gross Area | 1,631 sqft |
| 1st Floor Area | 1,233 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,060 sqft (0.207 acres) |
| Lot Dimensions | 165 ft deep x 55 ft wide |
| Garage Area | 286 sqft |
| Driveway | Driveway |
| Driveway Area | 348 sqft |
| Porch | Porch |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3604 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5160 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N SPRINGFIELD W 55' OF THE E 165' OF LOTS 50, 51, & 52 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Legal Subdivision | SPRINGFIELD |
| Legal Lot Number | 50,51 51 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 1100 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3604 E 8TH ST, PANAMA CITY, FL 32401-5160 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Jan 18, 2022 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2022 · Amount on Record |
| Deed Sale | Sep 23, 2022 · Amount on Record |
| Prior Sale | Jan 18, 2022 · Amount on Record |
| Deed Document Number | 0046131650 |
| Deed Book / Page | 4613 / 1650 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 23, 2022 |
| Property Address | 3604 E 8TH ST, PANAMA CITY, FL 32401-5160 |
| Document Number | 0046131650 |
| Book / Page | 4613 / 1650 |
| Map Reference | MB 2 PG 20 |
| Instrument Date | Sep 23, 2022 |
| Instrument | 2022070701 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2022 |
| Title Company | CLEAR TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 114 TERRACE OAK LN, 114, BROUSSARD, LA 70518-7644 |
| Name | Verified Name |
|---|---|
| Address | 2203 BECK AVE, PANAMA CITY, FL 32405-1846 |
| Document Number | 0046131652 |
|---|---|
| Date | Sep 23, 2022 |
| Instrument | 4613/1652 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Number | 0046131673 |
|---|---|
| Date | Sep 23, 2022 |
| Book Page | 4613/1673 |
| Instrument | 2022070703 |
| Name | BAY COUNTY BOARD OF COUNTY COMMISSIONERS |
|---|---|
| Type | Government Agency |
| Address | PANAMA CITY, FL 32401 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 18, 2022 |
| Property Address | 3604 E 8TH ST, PANAMA CITY, FL 32401-5160 |
| Document Number | 0045120572 |
| Book / Page | 4512 / 572 |
| Map Reference | MB 2 PG 20 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 2022003717 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2828 BUSKEY RD, 2828, CHESAPEAKE, VA 23322-2915 |
| Name | Verified Name |
|---|---|
| Address | 114 TERRACE OAK LN, BROUSSARD, LA 70518-7644 |
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 | $2,517.00 (-5.02%) Homeowner's exemption | $200,825 (+3.82%) | $205,528 (+6.25%) Land $19,448 Building $186,080 |
| 2023 | $2,650.00 (+61.98%) Homeowner's exemption | $193,438 (+104.59%) Land $12,584 Building $180,854 | $193,438 (+104.59%) Land $12,584 Building $180,854 |
| 2022 | $1,636.00 | $94,548 Land $10,868 Building $83,680 | $94,548 Land $10,868 Building $83,680 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 34 (1980–2022) |
| Claims Outside the SFHA | 31 of 34 |
| Most Recent Claim | Sep 2022 · 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 | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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