Bay County property record for 3731 E 8th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,324 sqft · built 1962 |
| Lot Size | 0.207 acres (9,016 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $91,500 (May 2010) |
| Tax Bill | $227 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15355-000-000 |
| Primary APN | 15355-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,324 sqft Living Area |
| 1st Floor Area | 1,324 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,016 sqft (0.207 acres) |
| Lot Dimensions | 146 ft deep x 62 ft wide |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 45 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3731 E 8TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-6233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W-163-118B4 BEG 367.54 N & 154.2 W OF SE COR OF SW1/4 OF NE1/4 OF SE1/4 TH W 62.1 N 146.27 E 62.1 S 146.27 TO BEG AKA LOT 8 BLK 1 OF UNREC PLAT ORB 3241 P 1075 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 1100 |
3731 E 8th Ct is owned and occupied by two individuals who acquired it in January 2013.
Source: Bay County records, as of March 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3731 E 8TH CT, PANAMA CITY, FL 32401-6233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage · VA Mortgage LOWER LLC |
| Jul 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jun 29, 2017 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAP & INVS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2010 · Amount on File |
| Deed Sale | May 24, 2010 · Amount on File |
| Prior Sale | Oct 8, 2009 · Amount on File |
| Deed Document Number | 201025608 |
| Deed Book / Page | 3241 / 1075 |
| Last Transfer Date | Jan 28, 2013 |
| Transfer Doc | 0000011985 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3731 E 8TH CT, PANAMA CITY, FL 32401-6233 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Title Company | SAI SETTLEMENT SERVICES LLC, SUMMIT SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 3731 E 8TH CT, PANAMA CITY, FL 32401-6233 |
| Document Number | 0050110896 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | 5011/896 |
| Instrument | 2026014684 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3731 E 8TH CT, PANAMA CITY, FL 32401-6233 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042800294 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 4280/294 |
| Instrument | 2020049456 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3731 E 8TH CT, PANAMA CITY, FL 32401-6233 |
| Document Number | 0039211548 |
| Book / Page | 003921 / 001548 |
| Instrument Date | Jun 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3731 E 8TH CT PANAMA CITY BEACH FL 324016233, PANAMA CITY BEACH, FL 32401-6233 |
| Document Number | 0039211548 |
|---|---|
| Date | Jul 27, 2017 |
| Book Page | 003921/001548 |
| Instrument | 42167 |
| Name | VILLAGE CAP & INVS |
|---|---|
| Type | Funding / Finance Company |
| Address | HENDERSON, NV 89052 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 26, 2047 |
The 2025 property tax bill for 3731 E 8th Ct was $227 with exemptions applied, down 46.2% from the year before.
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 | $227.00 (-46.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $77,586 | $96,892 Land $20,869 Building $76,023 |
| 2024 | $422.00 (-35.08%) | ||
| 2023 | $650.00 (+226.63%) Homeowner's exemption Disabled Person's exemption | $73,303 (+3%) | $85,674 (+11.06%) Land $13,503 Building $72,171 |
| 2022 | $199.00 Homeowner's exemption Disabled Person's exemption | $71,168 | $77,143 Land $11,662 Building $65,481 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3731 E 8th Ct in Zone X, an area of minimal flood risk, though there have been 34 flood claims nearby since 1980.
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.
Wildfire risk around 3731 E 8th Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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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