Bay County property record for 3815 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,275 sqft · built 1950 |
| Lot Size | 0.207 acres (9,016 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Jan 2025) |
| Tax Bill | $3,461 (2025) |
| Deeds & Mortgages | May 2024 Sale & Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15295-000-000 |
| Primary APN | 15295-000-000 |
|---|
| 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 |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,016 sqft (0.207 acres) |
| Lot Dimensions | 174 ft deep x 52 ft wide |
| Garage Type | Detached |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 144 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Window A/C |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Street Address | 3815 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 -107- BEG 213 W OF SE COR OF NE1/4 OF SE1/4 TH N 199 W 51.66 N65 W 6.5 TH S 264 E 58.45 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 |
3815 E 8th St is owned and occupied by an individual who acquired it in February 2025.
Source: Bay County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3815 E 8TH ST, PANAMA CITY, FL 32401-5343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
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 |
|---|---|
| May 17, 2024 | Warranty Deed, Transfer · Commercial Mortgage NINE TRUST INVESTMENTS LLC |
| 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 | Jan 27, 2025 · Amount on File |
| Deed Sale | Jan 27, 2025 · Amount on File |
| Prior Sale | May 17, 2024 · Amount on File |
| Deed Document Number | 20253821 |
| Deed Book / Page | 4878 / 1026 |
| Last Transfer Date | Feb 4, 2025 |
| Transfer Doc | 0048811232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 17, 2024 |
| Property Address | 3815 E 8TH ST, PANAMA CITY, FL 32401-5343 |
| Document Number | 0048030115 |
| Book / Page | 4803 / 115 |
| Instrument Date | May 16, 2024 |
| Instrument | 2024029045 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $728.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 HOLLY ST, DESTIN, FL 32541-2616 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 18617, P C BEACH, FL 32417-8617 |
| Document Number | 0048030118 |
|---|---|
| Date | May 17, 2024 |
| Book Page | 4803/118 |
| Instrument | 2024029046 |
| Name | NINE TRUST INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PANAMA CITY, FL 32408 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 4, 2022 |
| Property Address | 3815 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 | 3815 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 3815 E 8th St was $3,461, up 657.3% 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 | $3,461.00 (+657.33%) | $218,268 Land $18,443 Building $199,825 | $218,268 Land $18,443 Building $199,825 |
| 2024 | $457.00 (-43.09%) | ||
| 2023 | $803.00 (+14.88%) | $39,966 (+12.02%) Land $17,820 Building $22,146 | $39,966 (+12.02%) Land $17,820 Building $22,146 |
| 2022 | $699.00 | $35,678 Land $15,390 Building $20,288 | $35,678 Land $15,390 Building $20,288 |
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 3815 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 3815 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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