3610 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3610 E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 1999
Lot Size	0.678 acres (29,534 sqft)
Owner	Individual Name on Record
Last Sale	$192,500 (Aug 2021)
Tax Bill	$2,318 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Oct 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23517-000-000`

Property Details

APN / Parcel Number

Primary APN	`23517-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Heated Area
Gross Area	2,102 sqft
1st Floor Area	1,380 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	29,534 sqft (0.678 acres)
Lot Dimensions	208 ft deep x 142 ft wide
Garage Type	Detached
Garage Area	260 sqft
Driveway	Driveway
Driveway Area	240 sqft

Exterior Amenities

Porch	Porch
Porch Area	332 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3610 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 -491.1- 118C4 BEG AT INT OF E LI OF NW1/4 OF SE1/4 & S ROW LI OF SR 22 TH W
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, 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
Co-owner	Co-owner on Record
Mailing Address	3610 E 3RD ST, PANAMA CITY, FL 32401-5674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Oct 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 16, 2018	Deed of Trust, Mortgage · Conventional with PMI LOW VA RATES LLC
Jul 18, 2017	Grant Deed, Transfer · VA Mortgage MOTIVE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2021 · Amount on Record
Deed Sale	Aug 13, 2021 · Amount on Record
Prior Sale	Oct 28, 2020 · Amount on Record
Deed Document Number	0004447147
Deed Book / Page	4447 / 147
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 13, 2021
Property Address	3610 E 3RD ST, PANAMA CITY, FL 32401-5674
Document Number	0044470147
Book / Page	4447 / 147
Instrument Date	Aug 12, 2021
Instrument	2021062324
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TTL LLC SANTA ROSA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,347.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 BOBBIE WAY, 210, WOODSTOCK, GA 30189-7218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3610 E 3RD ST, PANAMA CITY, FL 32401-5674

Mortgage

Document Number	4447149
Date	Aug 13, 2021
Instrument	4447/149

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Oct 28, 2020
Property Address	3610 E 3RD ST, PANAMA CITY, FL 32401-5674
Document Number	0043160464
Book / Page	004316 / 000464
Instrument Date	Oct 24, 2020
Instrument	71848
Transaction Type	Transfer
Record Updated	Nov 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3610 E 3RD ST, PANAMA CITY, FL 32401-5674
Document Number	0040001930
Instrument Date	Apr 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3610 E 3RD ST PANAMA CITY FL 324015674, PANAMA CITY, FL 32401-5674

Mortgage

Document Number	0040001930
Date	Apr 20, 2018
Book Page	004000/001930
Instrument	23649

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.12%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Jul 18, 2017
Property Address	3610 E 3RD ST, PANAMA CITY, FL 32401-5674
Document Number	0039182306
Book / Page	003918 / 002306
Instrument Date	Jul 14, 2017
Instrument	40289
Transaction Type	Transfer
Record Updated	Aug 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3610 E 3RD ST PANAMA CITY BEACH FL 324015674, PANAMA CITY BEACH, FL 32401-5674

Mortgage

Document Number	39182308
Date	Jul 18, 2017
Book Page	003918/002308
Instrument	40290

Lender

Name	MOTIVE LNDG
Address	FLINT, MI 48501-2026

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2047

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$2,318.00 (-24.86%) Homeowner's exemption	$188,269 (+6.55%)	$200,785 (+13.63%) Land $52,142 Building $148,643
2023	$3,085.00 (+16.24%)	$176,697 (+9.77%) Land $34,659 Building $142,038	$176,697 (+9.77%) Land $34,659 Building $142,038
2022	$2,654.00	$160,963 Land $31,438 Building $129,525	$160,963 Land $31,438 Building $129,525

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
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

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

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

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 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 219 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

3610 E 3rd St, Panama City, FL 32401 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E 3rd St

Nearby Streets

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