Bay County property record for 3827 E 9th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 2024 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $237,000 (Jun 2024) |
| Tax Bill | $3,242 (2025) |
| Deeds & Mortgages | Jun 2024 Mortgage Jun 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15469-010-000 |
| Primary APN | 15469-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,344 sqft Heated Area |
| Gross Area | 1,512 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,360 sqft (0.146 acres) |
| Lot Dimensions | 128 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3827 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MCLEMORE'S SPRINGFIELD HTS. LOT 23 BLK 1 ORB 4813 P 1561 |
| Legal Subdivision | SPRINGFIELD |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 1100 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3827 E 9TH ST, PANAMA CITY, FL 32401-5315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 20, 2024 | Deed of Trust, Mortgage BAY COUNTY |
| Jun 20, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage HABITAT FOR HUMANITY OF BAY COUNTY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 20, 2024 · Amount on Record |
| Deed Sale | Jun 20, 2024 · Amount on Record |
| Deed Document Number | 2024036338 |
| Deed Book / Page | 4813 / 1561 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3827 E 9TH ST, PANAMA CITY, FL 32401-5315 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0048131576 |
|---|---|
| Date | Jun 20, 2024 |
| Book Page | 4813/1576 |
| Instrument | 2024036342 |
| Name | BAY COUNTY |
|---|---|
| Type | Government Agency |
| Address | PANAMA CITY, FL 32401 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 20, 2024 |
| Property Address | 3827 E 9TH ST, PANAMA CITY, FL 32401-5315 |
| Document Number | 0048131561 |
| Book / Page | 4813 / 1561 |
| Map Reference | MB 9 PG 41 |
| Instrument Date | Jun 19, 2024 |
| Instrument | 2024036338 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,659.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2901 W 17TH ST, PANAMA CITY, FL 32405-2533 |
| Name | Verified Name |
|---|---|
| Address | 3827 E 8TH ST, P C BEACH, FL 32401-5343 |
| Document Number | 0048131564 |
|---|---|
| Date | Jun 20, 2024 |
| Instrument | 4813/1564 |
| Name | HABITAT FOR HUMANITY OF BAY COUNTY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0048131567 |
|---|---|
| Date | Jun 20, 2024 |
| Book Page | 4813/1567 |
| Instrument | 2024036340 |
| Name | BAY COUNTY |
|---|---|
| Type | Government Agency |
| Address | PANAMA CITY, FL 32401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,242.00 (+2,120.55%) | $204,459 (+1,836.16%) Land $16,320 Building $188,139 | $204,459 (+1,836.16%) Land $16,320 Building $188,139 |
| 2023 | $146.00 Additional exemption filed | $10,560 (+15.79%) Land $10,560 | $10,560 (+15.79%) Land $10,560 |
| 2022 | $146.00 Additional exemption filed | $9,120 Land $9,120 | $9,120 Land $9,120 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures