3705 E 11th St, Panama City, FL 32401 Property Records

Bay County property record for 3705 E 11th St, Panama City, FL 32401

Property Summary

Property Type	Residential Vacant Land
Details	2 bd · 1.5 ba
Lot Size	0.228 acres (9,975 sqft)
Owner	2 Owner Names on File
Last Sale	$103,000 (Apr 2007)
Tax Bill	$473 (2025)
Flood Zone	Zone X (moderate risk)
APN	`15374-000-000`

Property Details

APN / Parcel Number

Primary APN	`15374-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Stories	1 Story

Exterior

Lot Area	9,975 sqft (0.228 acres)
Lot Dimensions	100 ft deep x 100 ft wide

Location & Zoning

Street Address	3705 E 11TH ST
City	PANAMA CITY
State	FL
Zip	32401-5374
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	2 4S 14W -176- BEG AT SE COR OF SE1/4 OF SW1/4 OF NE1/4 TH N 236' TO PT OF BEG TH N
Legal Range	14W
Legal Township	04S
Legal Section	02
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1009
Census Tract	1100

Owner

The current owner of 3705 E 11th St bought it in April 2007.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Owner Names on File
Mailing Address	5816 BOAT RACE RD, PANAMA CITY, FL 32404-8201

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2007 · Amount on File
Deed Sale	Apr 18, 2007 · Amount on File
Deed Document Number	2007-025431
Deed Book / Page	2912 / 1136
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 3705 E 11th St was $473.

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	$473.00	$33,575 Land $33,575	$33,575 Land $33,575
2023	$539.00 (+15.42%)	$27,200 (+24.03%) Land $27,200	$27,200 (+24.03%) Land $27,200
2022	$467.00	$21,930 Land $21,930	$21,930 Land $21,930

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

Flood

FEMA maps place 3705 E 11th St in Zone X, an area of moderate flood risk, though there have been 18 flood claims nearby since 1998.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	18 (1998–2021)
Claims Outside the SFHA	10 of 18
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 8 claims Severe Storms And Flooding, Jul 2013 · 2 claims Hurricane Dennis, Jul 2005 · 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

Wildfire risk around 3705 E 11th St is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable · Fiber in parts of the area	1,200 / 50
Verizon Fixed Wireless	300 / 20