Bay County property record for 3744 E 9th St, Panama City, FL 32401
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 6 bd · 4.5 ba · 2,808 sqft · built 1983 |
| Lot Size | 0.117 acres (5,096 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Dec 2025) |
| Tax Bill | $3,177 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Dec 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 15300-002-000 |
| Primary APN | 15300-002-000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 3 Half Baths |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,808 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Multi-Family |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,096 sqft (0.117 acres) |
| Lot Dimensions | 80 ft deep x 64 ft wide |
| Driveway | Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 342 sqft |
| Deck Area | Deck Area |
| Total Buildings | 3 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3744 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5309 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | 2 4S 14W -112.2- 118B4 BEG 82 E OF NW COR N1/2 OF W1/2 OF SE1/4 OF NE1/4 OF SE1/4 TH E 64 S 80 W 64 N 80 TO POB ORB 1308 P 1529 ORB 3315 P 23 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| 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 | 3746 E 9TH ST, PANAMA CITY, FL 32401-5309 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Dec 19, 2025 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 16, 2022 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2025 · Amount on Record |
| Deed Sale | Dec 19, 2025 · Amount on Record |
| Deed Document Number | 202574438 |
| Deed Book / Page | 4985 / 2009 |
| Prior Transfer Date | Mar 1, 2011 |
| Prior Transfer Doc | 0033150023 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 19, 2025 |
| Property Address | 3744 E 9TH ST, PANAMA CITY, FL 32401-5309 |
| Document Number | 0049852009 |
| Book / Page | 4985 / 2009 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2025074438 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATL TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13981 WHISPERWOOD DR, CLEARWATER, FL 33762-3349 |
| Name | Verified Name |
|---|---|
| Address | 3746 E 9TH ST, PANAMA CITY, FL 32401-5309 |
| Document Number | 0049852011 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 4985/2011 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 16, 2022 |
| Property Address | 3744 E 9TH ST, PANAMA CITY, FL 32401-5309 |
| Document Number | 0046401645 |
| Book / Page | 4640 / 1645 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 2022089163 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $770.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2307 MOUND AVE, PANAMA CITY, FL 32405-1272 |
| Name | Verified Name |
|---|---|
| Address | 7029 GRASSY POINT RD, PANAMA CITY, FL 32409-1471 |
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 | $3,177.00 (-2.96%) | $200,368 (+6.36%) Land $21,683 Building $178,685 | $200,368 (+6.36%) Land $21,683 Building $178,685 |
| 2024 | $3,274.00 (+5.07%) | $188,387 (+0.11%) Land $19,712 Building $168,675 | $188,387 (+0.11%) Land $19,712 Building $168,675 |
| 2023 | $3,116.00 (+16.75%) | $188,177 (+13.96%) Land $17,740 Building $170,437 | $188,177 (+13.96%) Land $17,740 Building $170,437 |
| 2022 | $2,669.00 | $165,121 Land $13,552 Building $151,569 | $165,121 Land $13,552 Building $151,569 |
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 |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 9 (1991–2021) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Aug 2021 · Tropical Storm Fred |
| 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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