Bay County property record for 3731 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,176 sqft · built 2022 |
| Lot Size | 0.348 acres (15,158 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,900 (Jul 2022) |
| Tax Bill | $2,386 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Sep 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 15310-010-000 |
| Primary APN | 15310-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Flooring | Tile |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 15,158 sqft (0.348 acres) |
| Lot Dimensions | 185 ft deep x 82 ft wide |
| Garage Type | Carport |
| Garage Area | 234 sqft |
| Carport | Carport |
| Carport Area | 234 sqft |
| Driveway | Driveway |
| Driveway Area | 325 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3731 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W -123.1A- BEG 247.5 W & 205 N OF SE COR OF NW1/4 OF NE1/4 OF SE1/4 TH RUN E 82 S 40 W 82.5 N 40 TO POB ** AND ** BEG 165 W OF THE SE COR OF NW1/4 OF NE1/4 OF SE1/4 TH CONT W 82.5 N 165 E 82.5 S 165 TO POB AND RESVERING 20 OFF THE SOUTH SIDE F |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 1100 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3731 E 9TH ST, PANAMA CITY, FL 32401-5313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PNC BANK NA |
| Sep 13, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2022 · Amount on Record |
| Deed Sale | Jul 8, 2022 · Amount on Record |
| Deed Document Number | 202251322 |
| Deed Book / Page | 4586 / 398 |
| Prior Transfer Date | Sep 13, 2021 |
| Prior Transfer Doc | 0044591723 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 8, 2022 |
| Property Address | 3731 E 9TH ST, PANAMA CITY, FL 32401-5313 |
| Document Number | 0045860398 |
| Book / Page | 4586 / 398 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 2022051322 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,539.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1499 W HIGHWAY 390, LYNN HAVEN, FL 32444-3600 |
| Name | Verified Name |
|---|---|
| Address | 3731 E 9TH ST, PANAMA CITY, FL 32401-5313 |
| Document Number | 0004586400 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 4586/400 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 13, 2021 |
| Property Address | 3731 E 9TH ST, PANAMA CITY, FL 32401-5313 |
| Document Number | 0044591723 |
| Book / Page | 4459 / 1723 |
| Instrument Date | Sep 13, 2021 |
| Instrument | 2021070089 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1499 W HIGHWAY 390, LYNN HAVEN, FL 32444-3600 |
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 | $2,386.00 (-7.84%) Homeowner's exemption | $192,577 (+5.99%) | $200,457 (+10.32%) Land $29,733 Building $170,724 |
| 2024 | $2,589.00 (+8.28%) | ||
| 2023 | $2,391.00 (+503.79%) Homeowner's exemption | $181,699 (+993.58%) Land $19,239 Building $162,460 | $181,699 (+993.58%) Land $19,239 Building $162,460 |
| 2022 | $396.00 | $16,615 Land $16,615 | $16,615 Land $16,615 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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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