Bay County property record for 3706 E 7th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,509 sqft · built 2015 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | Company Name on Record |
| Last Sale | $136,400 (Jul 2026) |
| Tax Bill | $2,824 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23129-010-000 |
| Primary APN | 23129-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,509 sqft Living Area |
| Gross Area | 1,949 sqft |
| 1st Floor Area | 1,509 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood Frame (Stucco or Asbestos) |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 462 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 40 sqft |
| Patio Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3706 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 -126.4- COM AT THE NE COR OF NW1/4 OF NE1/4 TH RUN S 42.16 FOR POB TH CONT S 150 W 75 N 150 TO SOUTH R/W OF 7TH ST RUN E 75 TO POB ORB 4136 P 146 |
| 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 |
Source: Bay County records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3706 E 7TH ST, PANAMA CITY, FL 32401-5338 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 21, 2026 | Certificate of Transfer, Transfer |
| Jun 19, 2019 | Warranty Deed, Transfer · FHA Mortgage NATIONAL BANK OF KANSAS CITY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2026 · Amount on Record |
| Deed Sale | Jul 21, 2026 · Amount on Record |
| Prior Sale | Jun 19, 2019 · Amount on Record |
| Deed Document Number | 202644241 |
| Deed Book / Page | 5058 / 1948 |
| Record Updated | Oct 29, 2026 |
| Document Type | Certificate of Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 21, 2026 |
| Property Address | 3706 E 7TH ST, PANAMA CITY, FL 32401-5338 |
| Document Number | 0000044241 |
| Book / Page | 5058 / 1948 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202644241 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $96,434.80 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 19, 2019 |
| Property Address | 3706 E 7TH ST, PANAMA CITY, FL 32401-5338 |
| Document Number | 0041360146 |
| Book / Page | 4136 / 0146 |
| Instrument Date | Apr 8, 2019 |
| Instrument | 2019057176 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,312.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3528 CLUB VILLAS DR, 3528, VALDOSTA, GA 31602-1018 |
| Name | Verified Name |
|---|---|
| Address | 5120 E 4TH ST, PANAMA CITY, FL 32404-6000 |
| Document Number | 0004136148 |
|---|---|
| Date | Jun 19, 2019 |
| Instrument | 4136/148 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 1, 2049 |
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 | $2,824.00 (+3.1%) Homeowner's exemption | $201,970 (+5.99%) | $225,967 (+11.75%) Land $51,000 Building $174,967 |
| 2024 | $2,739.00 (+2.74%) | ||
| 2023 | $2,666.00 (+9.17%) Homeowner's exemption | $190,561 (+3%) | $202,213 (+9.3%) Land $33,000 Building $169,213 |
| 2022 | $2,442.00 Homeowner's exemption | $185,011 Land $28,500 Building $156,511 | $185,011 Land $28,500 Building $156,511 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 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.
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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