Bay County property record for 3810 E 14th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,499 sqft · built 1978 |
| Lot Size | 0.223 acres (9,757 sqft) |
| Owner | Individual Name on File |
| Last Sale | $247,000 (Jul 2021) |
| Tax Bill | $3,898 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Feb 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 15157-250-000 |
| Primary APN | 15157-250-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,499 sqft Heated Area |
| Gross Area | 2,196 sqft |
| 1st Floor Area | 1,499 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,757 sqft (0.223 acres) |
| Lot Dimensions | 122 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Porch | Porch |
| Porch Area | 397 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3810 E 14TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-5828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINNACLE PINES ESTATES (118A2) LOT 1 LESS S 10' BLK C ORB 4429 P 197 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Legal Subdivision | PINNACLE PINES ESTATES |
| Legal Block | C |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 1100 |
3810 E 14th St is owned and occupied by an individual who bought it in July 2021.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3810 E 14TH ST, PANAMA CITY, FL 32404-5828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 2, 2021 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Feb 20, 2020 | Warranty Deed, Transfer PRATT AYCOCK TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2021 · Amount on File |
| Deed Sale | Jul 2, 2021 · Amount on File |
| Prior Sale | Feb 20, 2020 · Amount on File |
| Deed Document Number | 2021050787 |
| Deed Book / Page | 4429 / 197 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 2, 2021 |
| Property Address | 3810 E 14TH ST, PANAMA CITY, FL 32404-5828 |
| Document Number | 0044290197 |
| Book / Page | 4429 / 197 |
| Map Reference | MB 12 PG 32 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 2021050787 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2021 |
| Title Company | FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,729.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 513 BAINBRIDGE ST, 513, PANAMA CITY BEACH, FL 32413-2850 |
| Name | Verified Name |
|---|---|
| Address | 3810 E 14TH ST, PANAMA CITY, FL 32404-5828 |
| Document Number | 4429199 |
|---|---|
| Date | Jul 2, 2021 |
| Instrument | 4429/199 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 20, 2020 |
| Property Address | 3810 E 14TH ST, PANAMA CITY, FL 32404-5828 |
| Document Number | 0042240255 |
| Book / Page | 004224 / 000255 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 13206 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2020 |
| Title Company | PRATT AYCOCK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $290.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 513 BAINBRIDGE ST PANAMA CITY BEACH FL 324132850, PANAMA CITY BEACH, FL 32413-2850 |
The 2025 property tax bill for 3810 E 14th St was $3,898.
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 | $3,898.00 | $245,818 Land $35,000 Building $210,818 | $245,818 Land $35,000 Building $210,818 |
| 2023 | $3,971.00 (+17.83%) | $228,989 (+8.77%) Land $27,814 Building $201,175 | $228,989 (+8.77%) Land $27,814 Building $201,175 |
| 2022 | $3,370.00 | $210,517 Land $22,800 Building $187,717 | $210,517 Land $22,800 Building $187,717 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3810 E 14th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 18 (1998–2021) |
| Claims Outside the SFHA | 10 of 18 |
| Most Recent Claim | Oct 2021 · 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.
Wildfire risk around 3810 E 14th St is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 41 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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