Bay County property record for 3813 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,275 sqft · built 1940 |
| Lot Size | 0.349 acres (15,202 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Nov 2024) |
| Tax Bill | $2,691 (2025) |
| Deeds & Mortgages | Nov 2024 Sale & Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15295-010-000 |
| Primary APN | 15295-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,275 sqft Living Area |
| Gross Area | 1,705 sqft |
| 1st Floor Area | 1,275 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,202 sqft (0.349 acres) |
| Lot Dimensions | 234 ft deep x 65 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 84 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Window A/C |
|---|---|
| Heating System | Radiant |
| Street Address | 3813 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 4S 14W -110- BEG 271.45 W OF SE COR OF NE1/4 OF SE1/4 TH N 264 W 58.54 S 264 E 58.54 TO POB LESS S 30 RD R/W ORB 4803 P 115 |
| 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 |
3813 E 8th St is owned by an individual who bought it in November 2024.
Source: Bay County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3818 E 8TH ST, PANAMA CITY, FL 32401-6257 |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
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 |
|---|---|
| Nov 12, 2024 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 4, 2022 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Sep 6, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2024 · Amount on File |
| Deed Sale | Nov 12, 2024 · Amount on File |
| Prior Sale | May 17, 2024 · Amount on File |
| Deed Document Number | 202466081 |
| Deed Book / Page | 4858 / 976 |
| Prior Transfer Date | Jul 20, 2011 |
| Prior Transfer Doc | 0033380753 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 12, 2024 |
| Property Address | 3813 E 8TH ST, PANAMA CITY, FL 32401-5343 |
| Document Number | 0048580976 |
| Book / Page | 4858 / 976 |
| Instrument Date | Nov 5, 2024 |
| Instrument | 2024066081 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | CLEAR TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 395, LYNN HAVEN, FL 32444-0395 |
| Name | Verified Name |
|---|---|
| Address | 3818 E 8TH ST, PANAMA CITY, FL 32401-6257 |
| Document Number | 2024066082 |
|---|---|
| Date | Nov 12, 2024 |
| Instrument | 2024066082 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Number | 0048580999 |
|---|---|
| Date | Nov 12, 2024 |
| Book Page | 4858/999 |
| Instrument | 2024066083 |
| Name | BAY COUNTY BOARD OF COUNTY COMMISSIONERS |
|---|---|
| Type | Government Agency |
| Address | PANAMA CITY, FL 32401 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 4, 2022 |
| Property Address | 3813 E 8TH ST, PANAMA CITY, FL 32401-5343 |
| Document Number | 0045321337 |
| Book / Page | 4532 / 1337 |
| Instrument Date | Mar 3, 2022 |
| Instrument | 2022016153 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $595.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1405 W 15TH ST, PANAMA CITY, FL 32401-1776 |
| Name | Verified Name |
|---|---|
| Address | 304 HOLLY ST, DESTIN, FL 32541-2616 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 6, 2018 |
| Property Address | 3813 E 8TH ST, PANAMA CITY, FL 32401-5343 |
| Document Number | 0040450595 |
| Book / Page | 004045 / 000595 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 53610 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $434.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1405 W 15TH ST #D PANAMA CITY FL 324011777, D, PANAMA CITY, FL 32401-1777 |
The 2025 property tax bill for 3813 E 8th St was $2,691, up 545.3% from the year before.
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 | $2,691.00 (+545.32%) Homeowner's exemption | $211,790 Land $24,310 Building $187,480 | $211,790 Land $24,310 Building $187,480 |
| 2024 | $417.00 (+14.56%) | ||
| 2023 | $364.00 (-2.67%) | $13,431 (-10.36%) Land $13,431 | $13,431 (-10.36%) Land $13,431 |
| 2022 | $374.00 | $14,984 Land $11,599 Building $3,385 | $14,984 Land $11,599 Building $3,385 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3813 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 |
|
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 3813 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.
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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