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3903 E 8th St, Panama City, FL 32404 Property Records

Bay County property record for 3903 E 8th St, Panama City, FL 32404

Property Summary

Property TypeCommercial Vacant Land
Lot Size0.399 acres (17,380 sqft)
OwnerIndividual Name on File
Last Sale$10,000 (Aug 2019)
Tax Bill$253 (2025)
Deeds & MortgagesMar 2020 Transfer
Aug 2019 Sale
Flood ZoneZone X (minimal risk)
APN15073-000-000

Property Details

APN / Parcel Number

Primary APN15073-000-000

Exterior

Lot Area17,380 sqft (0.399 acres)
Lot Dimensions300 ft deep x 58 ft wide

Location & Zoning

Street Address3903 E 8TH ST
CityPANAMA CITY
StateFL
Zip32404-5984
Property CategoryCommercial
Property TypeVacant Land > Commercial
Legal Description1-4S-14W BEG 294.5 E & 30 S OF NW COR OFSW1/4 OF SW1/4 TH S 65.4 W 58.56 S 300.58 E 94.1 N 366 W35.5 ON S R/W 8TH ST TO POB- .7ACM/L- ORB 4227 P 1797 -136-118A3
Legal Range14W
Legal Township04S
Legal Section01
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2014
Census Tract1100

Owner

3903 E 8th St, commercial vacant land, is owned by an individual who acquired it in February 2020.

Source: Bay County records, as of January 5, 2026

Owner of RecordIndividual Name on File
Mailing Address320 LAIRD DR, FREEPORT, FL 32439-4625
Owner TypeIndividual

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

DateDocument
Mar 2, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Aug 28, 2019Warranty Deed, Transfer
MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 28, 2019 · Amount on File
Deed SaleAug 28, 2019 · Amount on File
Deed Document Number201976959
Deed Book / Page4161 / 1064
Last Transfer DateFeb 27, 2020
Transfer Doc0042271797
Record UpdatedJun 8, 2026

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateMar 2, 2020
Property Address3903 E 8TH ST, PANAMA CITY, FL 32404-5984
Document Number0042271797
Book / Page004227 / 001797
Instrument DateFeb 27, 2020
Instrument15837
Transaction TypeTransfer
Record UpdatedMar 20, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 LAIRD DR FREEPORT FL 324394625, FREEPORT, FL 32439-4625

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 28, 2019
Property Address3903 E 8TH ST, PANAMA CITY, FL 32404-5984
Document Number0041611064
Book / Page004161 / 001064
Instrument DateAug 23, 2019
Instrument76959
Transaction TypeTransfer
Record UpdatedOct 15, 2019
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

AmountAmount on Record
Tax$70.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 LAIRD DR FREEPORT FL 324394625, FREEPORT, FL 32439-4625

Tax Assessment & Valuation

The 2025 property tax bill for 3903 E 8th St was $253, down 36.6% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalitySpringfield City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$253.00 (-36.59%)$15,960 (-) Land $15,960$15,960 (-) Land $15,960
2024$399.00 (-0.75%)$15,960 (-) Land $15,960$15,960 (-) Land $15,960
2023$402.00 (+4.15%)$15,960 (-) Land $15,960$15,960 (-) Land $15,960
2022$386.00$15,960 Land $15,960$15,960 Land $15,960

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

Flood

FEMA maps place 3903 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims9 (1991–2021)
Claims Outside the SFHA6 of 9
Most Recent ClaimAug 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 3903 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 RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF SPRINGFIELD
serves 8,075 people · EPA ID FL1030148
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionOct 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 251 locations within half a mile, as of December 31, 2025

ProviderMax 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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