3704 E 7th St, Panama City, FL 32401 Property Records

Bay County property record for 3704 E 7th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,478 sqft · built 1966
Lot Size	0.314 acres (13,678 sqft)
Owner	Individual Name on Record
Last Sale	$185,900 (May 2022)
Tax Bill	$1,996 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23130-000-000`

Property Details

APN / Parcel Number

Primary APN	`23130-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,478 sqft Heated Area
Gross Area	1,687 sqft
1st Floor Area	1,478 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2006
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,678 sqft (0.314 acres)
Lot Dimensions	140 ft deep x 98 ft wide
Garage Type	Detached
Garage Area	320 sqft
Driveway	Driveway
Driveway Area	400 sqft
Porch	Porch
Porch Area	113 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3704 E 7TH ST
City	PANAMA CITY
State	FL
Zip	32401-5338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 4S 14W-126.1- COM AT NE COR OF NW1/4 OF NE1/4 TH W 75' TH S FOR 83' TO POB TH
Legal Range	14W
Legal Township	04S
Legal Section	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3014
Census Tract	1100

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	3704 E 7TH ST, PANAMA CITY, FL 32401-5338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2022 · Amount on Record
Deed Sale	May 4, 2022 · Amount on Record
Prior Sale	Dec 29, 2014 · Amount on Record
Deed Document Number	2022033895
Deed Book / Page	4559 / 2310
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 4, 2022
Property Address	3704 E 7TH ST, PANAMA CITY, FL 32401-5338
Document Number	0045592310
Book / Page	4559 / 2310
Instrument Date	May 4, 2022
Instrument	2022033895
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	NOT AVAILABLE, OMEGA TITLE FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,301.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 HOLLAND DR APT 932, 200, CLARKSVILLE, TN 37043-2549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3704 E 7TH ST, PANAMA CITY, FL 32401-5338

Mortgage

Document Number	0045592312
Date	May 4, 2022
Instrument	4559/2312

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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	$1,996.00 (+0.2%) Homeowner's exemption	$167,961 (+8.95%)	$172,522 (+11.91%) Land $32,654 Building $139,868
2023	$1,992.00 (+66.83%) Homeowner's exemption	$154,161 (+129.97%) Land $21,128 Building $133,033	$154,161 (+129.97%) Land $21,128 Building $133,033
2022	$1,194.00	$67,035 Land $18,247 Building $48,788	$67,035 Land $18,247 Building $48,788

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

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
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	Hurricane Michael, Oct 2018 · 6 claims 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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 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