Bay County property record for 3614 E 8th St, Panama City, FL 32401
| Property Type | Vacant Land |
|---|---|
| Details | 4 bd · 2 ba · 672 sqft · built 1980 |
| Lot Size | 0.297 acres (12,937 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,000 (May 2026) |
| Tax Bill | $392 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15479-000-000 |
| Primary APN | 15479-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 672 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Other |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 12,937 sqft (0.297 acres) |
| Lot Dimensions | 185 ft deep x 70 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 66 sqft |
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3614 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5183 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | N SPRINGFIELD W 185 LOT 1 & W 185 OF N 15 LOT 2 MAP 118B4 ORB 4756 P 372 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Legal Subdivision | N SPRINGFIELD |
| Legal Lot Number | 1,2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 1100 |
Source: Bay County records, as of May 26, 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 Record |
|---|---|
| Mailing Address | 3614 E 8TH ST, PANAMA CITY, FL 32401-5183 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · Commercial Mortgage BOYD LOAN FUNDING I LLC |
| May 4, 2026 | Warranty Deed, Transfer · VA Mortgage OCMBC INC |
| Dec 11, 2023 | Warranty Deed, Transfer SETCO SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on Record |
| Deed Sale | May 4, 2026 · Amount on Record |
| Prior Sale | Dec 11, 2023 · Amount on Record |
| Deed Document Number | 202626716 |
| Deed Book / Page | 5030 / 2347 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3614 E 8TH ST, PANAMA CITY, FL 32401-5183 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 161 CLARKE HILL ROAD, FOUNTAIN, FL 32438 |
| Document Number | 0049721412 |
|---|---|
| Date | Nov 13, 2025 |
| Book Page | 4972/1412 |
| Instrument | 2025065816 |
| Name | BOYD LOAN FUNDING I LLC |
|---|---|
| Address | ORLANDO, FL 32801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 4, 2026 |
| Property Address | 3614 E 8TH ST, PANAMA CITY, FL 32401-5183 |
| Document Number | 0050302347 |
| Book / Page | 5030 / 2347 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026.26716 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $197,253.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3614 E 8TH ST, PANAMA CITY, FL 32401-5183 |
| Document Number | 0000026717, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 5030/2349 |
| Instrument | 2026.26717 |
| Name | OCMBC INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 11, 2023 |
| Property Address | 3614 E 8TH ST, PANAMA CITY, FL 32401-5183 |
| Document Number | 0047560372 |
| Book / Page | 4756 / 372 |
| Instrument Date | Dec 11, 2023 |
| Instrument | 2023076537 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $168.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6736 COE RD, PANAMA CITY, FL 32404-4523 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 424, FREEPORT, FL 32439-0424 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $392.00 (-21.44%) | $24,486 (+5%) | $25,228 (+54.55%) Land $25,228 |
| 2024 | $499.00 (+25.06%) | ||
| 2023 | $399.00 (+11.45%) | $16,324 (+15.79%) Land $16,324 | $16,324 (+15.79%) Land $16,324 |
| 2022 | $358.00 | $14,098 Land $14,098 | $14,098 Land $14,098 |
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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