Bay County property record for 3709 E 7th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,482 sqft · built 1954 |
| Lot Size | 0.606 acres (26,397 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $169,000 (Nov 2020) |
| Tax Bill | $2,879 (2025) |
| Deeds & Mortgages | May 2023 Second Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15403-000-000 |
| Primary APN | 15403-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,482 sqft Living Area |
| 1st Floor Area | 1,482 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 26,397 sqft (0.606 acres) |
| Lot Dimensions | 330 ft deep x 80 ft wide |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3709 E 7TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W 1 A -204- 118B4 BEG AT THE SE COR OF SW1/4 OF SE1/4 OF SEC TH RUN N 330 TH W 80 S 330 E 80 TO POB ORB 4323 P 1236 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 1100 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3709 E 7TH ST, PANAMA CITY, FL 32401-5306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU |
| Nov 12, 2020 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Sep 27, 2019 | Warranty Deed, Transfer JOSEPH C KNAPE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2020 · Amount on Record |
| Deed Sale | Nov 12, 2020 · Amount on Record |
| Prior Sale | Sep 27, 2019 · Amount on Record |
| Deed Document Number | 202076486 |
| Deed Book / Page | 4323 / 1236 |
| Prior Transfer Date | Feb 2, 2011 |
| Prior Transfer Doc | 0033011718 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3709 E 7TH ST, PANAMA CITY, FL 32401-5306 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3709 E 7TH ST, PANAMA CITY, FL 32401-5306 |
| Document Number | 0046931620 |
|---|---|
| Date | May 31, 2023 |
| Book Page | 4693/1620 |
| Instrument | 2023033198 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | WILLOW CREEK, MT 59760 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 12, 2020 |
| Property Address | 3709 E 7TH ST, PANAMA CITY, FL 32401-5306 |
| Document Number | 0043231236 |
| Book / Page | 4323 / 1236 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 2020076486 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | TALON TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,183.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13201 MAPLE ST, 13201, ODESSA, FL 33556-5609 |
| Name | Verified Name |
|---|---|
| Address | 3709 E 7TH ST, PANAMA CITY, FL 32401-5306 |
| Document Number | 0043231238 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 4323/1238 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 27, 2019 |
| Property Address | 3709 E 7TH ST, PANAMA CITY, FL 32401-5306 |
| Document Number | 0041722105 |
| Book / Page | 004172 / 002105 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 85422 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | TALON TITLE SERVICES LLC, TALON TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $199.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 13201 MAPLE ST ODESSA FL 335565609, ODESSA, FL 33556-5609 |
| Document Number | 41722107 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 004172/002107 |
| Instrument | 85423 |
| Name | JOSEPH C KNAPE |
|---|---|
| Address | 800 HAMILTON PLACE CT, WINTER PARK, FL 32789-2446 |
| Amount | Amount Recorded |
|---|
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 | $2,879.00 (-2.01%) | $181,568 (+11.52%) Land $31,280 Building $150,288 | $181,568 (+11.52%) Land $31,280 Building $150,288 |
| 2024 | $2,938.00 (+2.58%) | ||
| 2023 | $2,864.00 (+14.7%) | $162,806 (+9.13%) Land $20,240 Building $142,566 | $162,806 (+9.13%) Land $20,240 Building $142,566 |
| 2022 | $2,497.00 | $149,183 Land $17,480 Building $131,703 | $149,183 Land $17,480 Building $131,703 |
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 |
|---|---|
| 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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