1. Home
  2. Florida
  3. Bay County
  4. Panama City
  5. E 3rd St

3712 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 3712 E 3rd St, Panama City, FL 32401 · Last verified February 2026

Property Summary

Property TypeBarber/Hair Salon
Details3,300 sqft · built 1942
Lot Size0.11 acres (4,792 sqft)
OwnerIndividual Name on File
Last Sale$263,500 (Sep 2025)
Tax Bill$652 (2025)
Deeds & MortgagesSep 2025 Sale
Nov 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN23475-000-000

Property Details

APN / Parcel Number

Primary APN23475-000-000

Interior

Total Rooms4 Rooms
Stories1 Story
Building Area3,300 sqft Total Area
1st Floor Area3,300 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1942
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block
Construction TypeSteel Frame
Fire ResistanceFireproof Steel Frame
Roof TypeWood Truss
Roof MaterialMetal
Lot Area4,792 sqft (0.11 acres)
Lot Dimensions125 ft deep x 40 ft wide

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemForced Air

Location & Zoning

Street Address3712 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-5669
Property CategoryCommercial
Property TypeCommercial > Retail > Barber/Hair Salon
Legal Description11 4S 14W-449-118C4-BEG 10' S & 230' E OF NW COR OF NE1/4 OF SE1/4 TH S 150' E 100' N 150'
Legal Range14W
Legal Township04S
Legal Section11
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2018
Census Tract1000

Owner

Source: Bay County records · APN 23475-000-000

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3712 E 3RD ST, PANAMA CITY, FL 32401-5669
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 12, 2025Warranty Deed, Transfer
ALPHA TITLE COMPANY, ALPHA TITLE CO AGENCY LLC
Nov 29, 2022Warranty Deed, Transfer · Commercial Mortgage
CENTENNIAL BANK
Oct 01, 2018Deed of Trust, Mortgage
ONE SOUTH BK
Oct 01, 2018Deed of Trust, Mortgage
EVELINA E KARR
Jul 20, 2018Loan Modification, Mortgage
MIDSOUTH BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 12, 2025 · Amount on Record
Deed SaleSep 12, 2025 · Amount on Record
Prior SaleNov 29, 2022 · Amount on Record
Deed Document Number2025052584
Deed Book / Page4952 / 71
Record UpdatedJun 08, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 12, 2025
Property Address3712 E 3RD ST, PANAMA CITY, FL 32401-5669
Document Number0049520071
Book / Page4952 / 71
Instrument DateSep 03, 2025
Instrument2025052584
Transaction TypeTransfer
Record UpdatedSep 26, 2025
Title CompanyALPHA TITLE COMPANY, ALPHA TITLE CO AGENCY LLC

Transaction

AmountAmount Recorded
Tax$1,844.50
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1820 EVERITT AVE, PANAMA CITY, FL 32405-6392

Transferred To (Grantee/Buyer)

NameVerified Name
Address3712 E 3RD ST, PANAMA CITY, FL 32401-5669

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateNov 29, 2022
Property Address3712 E 3RD ST, PANAMA CITY, FL 32401-5669
Document Number0046341697
Book / Page4634 / 1697
Instrument DateNov 22, 2022
Instrument2022085052
Transaction TypeTransfer
Record UpdatedDec 14, 2022
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,590.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4722 GRASSY POND RD, CHIPLEY, FL 32428-6507

Transferred To (Grantee/Buyer)

NameVerified Name
Address1820 EVERITT AVE, PANAMA CITY, FL 32405-6392

Mortgage

Document Number0046341699
DateNov 29, 2022
Instrument4634/1699
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term36 Months
DueNov 22, 2025

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address3712 E 3RD ST, PANAMA CITY, FL 32401-5669
Document Number0040532352
Instrument DateOct 01, 2018
Transaction TypeMortgage
Record UpdatedNov 12, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5019 GRASSY POND RD CHIPLEY FL 324286503, CHIPLEY, FL 32428-6503

Mortgage

Document Number0040532352
DateOct 03, 2018
Book Page004053/002352
Instrument59688
Lender
NameONE SOUTH BK
TypeBank
AddressCHIPLEY, FL 32428
Agreement
AmountAmount Recorded
Term60 Months
DueOct 02, 2023

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address3712 E 3RD ST, PANAMA CITY, FL 32401-5669
Document Number0040532353
Instrument DateOct 01, 2018
Transaction TypeMortgage
Record UpdatedNov 12, 2018
Title CompanyFLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TRUST CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 159 WAUSAU FL 324630159, WAUSAU, FL 32463-0159

Mortgage

Document Number0040532353
DateOct 03, 2018
Book Page004053/002353
Instrument59689
Lender
NameEVELINA E KARR
AddressLYNN HAVEN, FL 32447
Agreement
AmountAmount Recorded
Term240 Months
DueOct 02, 2038

July 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address3712 E 3RD ST, PANAMA CITY, FL 32401-5669
Document Number0040301279
Instrument DateJul 20, 2018
Transaction TypeMortgage
Record UpdatedAug 23, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address3712 E 3RD ST PANAMA CITY FL 324015669, PANAMA CITY, FL 32401-5669

Mortgage

Document Number0040301279
DateJul 24, 2018
Book Page004030/001279
Instrument43605
Lender
NameMIDSOUTH BK
TypeBank
AddressPANAMA CITY, FL 32405
Agreement
Term36 Months
DueJul 23, 2021

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalitySpringfield City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$652.00 (-22.01%)$41,114 (-3.49%) Land $24,000 Building $17,114$41,114 (-3.49%) Land $24,000 Building $17,114
2024$836.00 (-1.18%)$42,602 (-) Land $24,000 Building $18,602$42,602 (-) Land $24,000 Building $18,602
2023$846.00 (+12.35%)$42,602 (+6.41%) Land $24,000 Building $18,602$42,602 (+6.41%) Land $24,000 Building $18,602
2022$753.00$40,035 Land $19,200 Building $20,835$40,035 Land $19,200 Building $20,835

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050010002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 3 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies3 in force
2 of 3 on primary residences
Nearby Flood Claims11 (1979–2020)
Claims Outside the SFHA8 of 11
Most Recent ClaimNov 2020, rainfall accumulation
Flood Events
  • Severe Storms And Flooding (Jul 2013), 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Nearby Properties on E 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures