Bay County property record for 3808 E 3rd St, Panama City, FL 32401
| Property Type | Professional Building (Legal, Insurance, Real Estate, Business) |
|---|---|
| Details | 6,829 sqft · built 1975 |
| Lot Size | 0.851 acres (37,070 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $2,466 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23396-000-000 |
| Primary APN | 23396-000-000 |
|---|
| Total Rooms | 30 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 6,829 sqft |
| 1st Floor Area | 6,829 sqft |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood Frame |
| Lot Area | 37,070 sqft (0.851 acres) |
| Lot Dimensions | 254 ft deep x 146 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3808 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5671 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business) |
| Legal Description | 11 4S 14W -373- 118C4 COM AT NE COR OF SE1/4 OF SEC S 31.50' W 82.50' FOR POB TH S |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 1000 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 3808 E 3RD ST, PANAMA CITY, FL 32401-5671 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 24, 2003 |
| Transfer Doc | 0023431777 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $2,466.00 (+2.15%) | $201,518 (-) Land $185,420 Building $16,098 | $201,518 (-) Land $185,420 Building $16,098 |
| 2023 | $2,414.00 (+20.04%) | $201,518 (+22.55%) Land $185,420 Building $16,098 | $201,518 (+22.55%) Land $185,420 Building $16,098 |
| 2022 | $2,011.00 | $164,434 Land $148,336 Building $16,098 | $164,434 Land $148,336 Building $16,098 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2016 · river or lake flooding |
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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 258 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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