Bay County property record for 3909 E 8th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1947 |
| Lot Size | 0.33 acres (14,374 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,900 (Jun 2007) |
| Tax Bill | $688 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15051-000-000 |
| Primary APN | 15051-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,374 sqft (0.33 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3909 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-5924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-4S-14W BEG 275 E OF SW COR OF NW1/4 OF SW1/4 N 135 E 70 S 35 E 50 S 100 W 120 TO BEG -123-118A3 LESS RD R/W ORB 2888 P 2382 ORB 2940 P 1424 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 1100 |
Source: Bay County records, as of March 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3909 E 8TH ST, PANAMA CITY, FL 32404-5924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2007 · Amount on Record |
| Deed Sale | Jun 27, 2007 · Amount on Record |
| Prior Sale | Feb 19, 2007 |
| Deed Document Number | 200742726 |
| Deed Book / Page | 2940 / 1424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3909 E 8TH ST, PANAMA CITY, FL 32404-5924 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3909 E 8TH ST, PANAMA CITY, FL 32404-5924 |
| Document Number | 0050081195 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 5008/1195 |
| Instrument | 2026012824 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
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 | $688.00 (-20.37%) Homeowner's exemption Widower's exemption | $90,485 (+5.99%) | $116,094 (+17.43%) Land $37,536 Building $78,558 |
| 2024 | $864.00 (+4.47%) | ||
| 2023 | $827.00 (+0.12%) Homeowner's exemption Widower's exemption | $85,374 (+3%) | $98,864 (+11.32%) Land $24,288 Building $74,576 |
| 2022 | $826.00 Homeowner's exemption Widower's exemption | $82,887 | $88,814 Land $20,976 Building $67,838 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 321 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
May also be available: WOW Internet, Cable & Phone.
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