3738 Patrick Rd, Panama City, FL 32409 Property Records

Bay County property record for 3738 Patrick Rd, Panama City, FL 32409

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,414 sqft · built 1998
Lot Size	2.9 acres (126,367 sqft)
Owner	Company Name on Record
Last Sale	$610,000 (May 2022)
Tax Bill	$6,150 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage May 2023 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`07801-020-050`

Property Details

APN / Parcel Number

Primary APN	`07801-020-050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,414 sqft Living Area
Gross Area	2,914 sqft
1st Floor Area	2,414 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	126,367 sqft (2.9 acres)
Lot Dimensions	395 ft deep x 320 ft wide
Garage Type	Attached
Garage Area	500 sqft
Driveway	Driveway
Driveway Area	3,600 sqft

Exterior Amenities

Pool Area	408 sqft
Porch	Open Porch
Porch Area	815 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3738 PATRICK RD
City	PANAMA CITY
State	FL
Zip	32409-6606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC16
Legal Description	25 2S 14W -4.2M- 114A COM AT NW COR OF SEC 36 (AKA SW COR SEC 25) TH E 1251.01 TO W R/W OF RD N 89.36 FOR POB TH CONT N 60 TO CURVE TH NWLY 88.27 NWLY 256.75 SWLY 266.39 SWLY 330.15 E 515.82 TO POB SUBJ TO ESMT AND PCL COM AT NW COR OF SEC 36 E 131
Legal Range	14W
Legal Township	02S
Legal Section	25
Legal Lot Number	2
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2008
Census Tract	402

Owner

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	Company Name on Record
Mailing Address	3738 PATRICK RD, SOUTHPORT, FL 32409-6606
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PANHANDLE CU
May 31, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 26, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK
Apr 23, 2021	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Apr 23, 2021 · Amount on Record
Deed Document Number	202240243
Deed Book / Page	4569 / 358
Last Transfer Date	May 30, 2023
Transfer Doc	0046940073
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3738 PATRICK RD, SOUTHPORT, FL 32409-6606
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 PATRICK RD, SOUTHPORT, FL 32409-6606

Mortgage

Document Number	0047510387
Date	Nov 21, 2023
Book Page	4751/387
Instrument	2023072957

Lender

Name	PANHANDLE CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 26, 2038

Interest

Rate Type	Adjustable Rate
Rate	7.99%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	7.99%
Max Rate At Change	9.99%
Index	1-Year T-Bill
Max Rate	13.9%

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	May 31, 2023
Property Address	3738 PATRICK RD, SOUTHPORT, FL 32409-6606
Document Number	0046940073
Book / Page	4694 / 73
Instrument Date	May 30, 2023
Instrument	2023033440
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3738 PATRICK RD, PANAMA CITY, FL 32409-6606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 PATRICK RD, SOUTHPORT, FL 32409-6606

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 26, 2022
Property Address	3738 PATRICK RD, SOUTHPORT, FL 32409-6606
Document Number	0045690358
Book / Page	4569 / 358
Instrument Date	May 25, 2022
Instrument	2022040243
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5753 HIGHWAY 85 N # N8095, 5753, CRESTVIEW, FL 32536-9365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 PATRICK RD, SOUTHPORT, FL 32409-6606

Mortgage

Document Number	0004569360
Date	May 26, 2022
Instrument	4569/360

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 23, 2021
Property Address	3738 PATRICK RD, SOUTHPORT, FL 32409-6606
Document Number	0043960620
Book / Page	4396 / 620
Instrument Date	Apr 21, 2021
Instrument	2021030530
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,415.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3738 PATRICK RD, 3738, PANAMA CITY, FL 32409-6606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	335 RIVER ISLAND ST, MERRITT ISLAND, FL 32953-8204

Mortgage

Document Number	4396622
Date	Apr 23, 2021
Instrument	4396/622

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,150.00 (+2.59%) Homeowner's exemption	$536,670 (+4.07%)	$550,135 (+6.68%) Land $149,530 Building $400,605
2024	$5,995.00 (-0.22%)
2023	$6,008.00 (+46.75%) Homeowner's exemption	$515,691 (+29.18%) Land $121,436 Building $394,255	$515,691 (+29.18%) Land $121,436 Building $394,255
2022	$4,094.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$399,196 Land $68,313 Building $330,883	$399,196 Land $68,313 Building $330,883

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 93 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	93 in force
Nearby Flood Claims	10 (2018–2021)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Hurricane Michael, Oct 2018 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Mediacom Xtream.

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