3810 E 9th St, Panama City, FL 32401 Property Records

Bay County property record for 3810 E 9th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 2020
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Oct 2021)
Tax Bill	$1,762 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15302-000-000`

Property Details

APN / Parcel Number

Primary APN	`15302-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Board & Batten
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Porch	Open Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3810 E 9TH ST
City	PANAMA CITY
State	FL
Zip	32401-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 4S 14W -114- 118B4 BEG AT NE COR N1/2 OF W1/2 OF SE1/4 OF NE1/4 OF SE1/4 TH S 100 W 75 N 100 TH E 75 TO BEG ORB 4474 P 705
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

3810 E 9th St is owned and occupied by an individual who bought it in October 2021.

Source: Bay County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3810 E 9TH ST, PANAMA CITY, FL 32401-5316
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2021 · Amount on File
Deed Sale	Oct 18, 2021 · Amount on File
Deed Document Number	202179493
Deed Book / Page	4474 / 705
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 18, 2021
Property Address	3810 E 9TH ST, PANAMA CITY, FL 32401-5316
Document Number	0044740705
Book / Page	4474 / 705
Instrument Date	Oct 8, 2021
Instrument	2021079493
Transaction Type	Transfer
Record Updated	Nov 11, 2021
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6940 WAVERLY ST, 6940, YOUNGSTOWN, FL 32466-2374

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3810 E 9TH ST, PANAMA CITY, FL 32401-5316
Investor	Possibly a Property Investor

Mortgage

Document Number	4474707
Date	Oct 18, 2021
Instrument	4474/707

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3810 E 9th St was $1,762 with a homeowner's exemption, down 10.3% 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	$1,762.00 (-10.29%) Homeowner's exemption	$153,219	$167,613 Land $21,675 Building $145,938
2024	$1,964.00 (+3.04%)
2023	$1,906.00 (+11.01%) Homeowner's exemption	$144,564 (+3%)	$153,502 (+9.37%) Land $14,025 Building $139,477
2022	$1,717.00 Homeowner's exemption	$140,353 Land $12,112 Building $128,241	$140,353 Land $12,112 Building $128,241

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

Flood

FEMA maps place 3810 E 9th 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 3810 E 9th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 244 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