Bay County property record for 3817 E 8th St, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 528 sqft · built 1968 |
| Lot Size | 0.146 acres (6,403 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Sep 2025) |
| Tax Bill | $225 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage May 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15294-000-000 |
| Primary APN | 15294-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 528 sqft |
| 1st Floor Area | 528 sqft |
| Year Built | Built 1968 |
|---|---|
| Exterior Material | Aluminum Siding |
| Lot Area | 6,403 sqft (0.146 acres) |
| Lot Dimensions | 134 ft deep x 17.5 ft wide |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air |
| Street Address | 3817 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5343 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | 2-4S-14W-106-118B4 BEG 130' W OF SE COR OF NE1/4 OF SE1/4 RUN TH N 134' W 60' N 65' TH |
| 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 |
3817 E 8th St, residential vacant land, is owned by an individual who bought it in September 2025.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 702 CREWS DR, PANAMA CITY, FL 32404-8362 |
| 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 |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage BAY COUNTY BOARD OF COUNTY COMMISSIONERS |
| May 17, 2024 | Deed of Trust, Mortgage · Commercial Mortgage NINE TRUST INVESTMENTS LLC |
| Sep 10, 2025 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| 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 | Sep 10, 2025 · Amount on File |
| Deed Sale | Sep 10, 2025 · Amount on File |
| Prior Sale | Mar 4, 2022 · Amount on File |
| Deed Document Number | 2025052196 |
| Deed Book / Page | 4951 / 1132 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3817 E 8TH ST, PANAMA CITY, FL 32401-5343 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0049511155 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 4951/1155 |
| Instrument | 2025052198 |
| Name | BAY COUNTY BOARD OF COUNTY COMMISSIONERS |
|---|---|
| Type | Government Agency |
| Address | PANAMA CITY, FL 32401 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3817 E 8TH ST, PANAMA CITY, FL 32401-5343 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 18171, PANAMA CITY BEACH, FL 32417-8171 |
| 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 | Sep 10, 2025 |
| Property Address | 3817 E 8TH ST, PANAMA CITY, FL 32401-5343 |
| Document Number | 0049511132 |
| Book / Page | 4951 / 1132 |
| Instrument Date | Sep 10, 2025 |
| Instrument | 2025052196 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | CLEAR TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 395, LYNN HAVEN, FL 32444-0395 |
| Name | Verified Name |
|---|---|
| Address | 702 CREWS DR, PANAMA CITY, FL 32404-8362 |
| Document Number | 0049511134 |
|---|---|
| Date | Sep 10, 2025 |
| Instrument | 4951/1134 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 4, 2022 |
| Property Address | 3817 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 15, 2024 |
| 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 | 3817 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 3817 E 8th St was $225, down 53.1% from the year before.
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 | $225.00 (-53.13%) | $14,227 (-42.91%) Land $14,227 | $14,227 (-42.91%) Land $14,227 |
| 2024 | $480.00 (+49.53%) | $24,920 (+133.55%) Land $24,920 | $24,920 (+133.55%) Land $24,920 |
| 2023 | $321.00 (-13.24%) | $10,670 (-26.88%) Land $10,670 | $10,670 (-26.88%) Land $10,670 |
| 2022 | $370.00 | $14,592 Land $9,215 Building $5,377 | $14,592 Land $9,215 Building $5,377 |
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 3817 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 3817 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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