3809 E 8th St, Panama City, FL 32401 Property Records

Bay County property record for 3809 E 8th St, Panama City, FL 32401

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 2,130 sqft · built 2021
Lot Size	0.371 acres (16,160 sqft)
Owner	Individual Name on File
Tax Bill	$1,150 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15303-010-000`

Property Details

APN / Parcel Number

Primary APN	`15303-010-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,130 sqft Living Area
1st Floor Area	2,130 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,160 sqft (0.371 acres)
Lot Dimensions	180 ft deep x 90 ft wide
Garage Type	Carport
Carport	Carport
Porch	Enclosed Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3809 E 8TH ST
City	PANAMA CITY
State	FL
Zip	32401-5343
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	2 4S 14W -115.1- 118B4 BEG 186.4 E OF SW COR SE1/4 OF NE1/4 OF SE1/4 TH N 180 E 90 S 180 W 90 TO POB ORB 3416 P 2280
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

Owner

3809 E 8th St, a mobile home, is owned and occupied by an individual who acquired it in June 2012.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	3809 E 8TH ST, PANAMA CITY, FL 32401-5343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 13, 2012
Transfer Doc	0034162280
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3809 E 8TH ST, PANAMA CITY, FL 32401-5343
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041961671
Date	Dec 2, 2019
Book Page	4196/1671
Instrument	2019102623

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	EL PASO, TX 79935

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3809 E 8th St was $1,150 with a homeowner's exemption, down 13.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,150.00 (-13.73%) Homeowner's exemption	$114,591	$126,837 Land $32,436 Building $94,401
2024	$1,333.00 (+3.57%)
2023	$1,287.00 (+9.07%) Homeowner's exemption	$108,118 (+3%)	$117,699 (+12.13%) Land $20,988 Building $96,711
2022	$1,180.00 Homeowner's exemption	$104,969 Land $18,126 Building $86,843	$104,969 Land $18,126 Building $86,843

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

Flood

FEMA maps place 3809 E 8th St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1991.

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 File 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	Hurricane Michael, Oct 2018 · 3 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

Wildfire risk around 3809 E 8th St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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	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

Violations Reported to EPA

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.

Internet Providers

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