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3909 E 9th St, Panama City, FL 32404 Property Records

Bay County property record for 3909 E 9th St, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,940 sqft · built 1989
Lot Size0.462 acres (20,124 sqft)
Owner2 Individual Names on Record
Last Sale$248,900 (May 2021)
Tax Bill$4,156 (2025)
Deeds & MortgagesMay 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15045-010-000

Property Details

APN / Parcel Number

Primary APN15045-010-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,940 sqft Living Area
Gross Area2,360 sqft
1st Floor Area1,940 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2019
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialOther
Lot Area20,124 sqft (0.462 acres)
Lot Dimensions183 ft deep x 110 ft wide
Garage TypeAttached
Garage Area420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3909 E 9TH ST
CityPANAMA CITY
StateFL
Zip32404-5927
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1-4S-14W-2.73A-118.1- 118A3 POR OF SECTION DESC AS: COM AT INT OF E ROW OF TRANSMITTER RD & N ROW OF 9TH ST E ALG ROW OF 9TH ST 315.34 N 182.54 E 109.68 S 182.54 W 109.68 TO POB ORB 4404 P 1664
Legal Range14W
Legal Township04S
Legal Section01
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2004
Census Tract1100

Owner

Source: Bay County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3909 E 9TH ST, PANAMA CITY, FL 32404-5927
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 11, 2021 · Amount on Record
Deed SaleMay 11, 2021 · Amount on Record
Deed Document Number202135531
Deed Book / Page4404 / 1664
Record UpdatedOct 29, 2026

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 11, 2021
Property Address3909 E 9TH ST, PANAMA CITY, FL 32404-5927
Document Number0044041664
Book / Page4404 / 1664
Instrument DateMay 10, 2021
Instrument2021035531
Transaction TypeTransfer
Record UpdatedJun 30, 2021
Title CompanyDIAMOND TITLE AGENCY INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,742.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2455 PRETTY BAYOU BLVD, 2455, PANAMA CITY, FL 32405-1748

Transferred To (Grantee/Buyer)

NameVerified Name
Address3909 E 9TH ST, PANAMA CITY, FL 32404-5927

Mortgage

Document Number44041668
DateMay 11, 2021
Instrument4404/1668
Lender
NameUSAA FSB
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

Tax Assessment & Valuation

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$4,156.00 (-1.05%)$262,094 (+10.87%) Land $39,529 Building $222,565$262,094 (+10.87%) Land $39,529 Building $222,565
2024$4,200.00 (+2.74%)
2023$4,088.00 (+17.57%)$236,401 (+10.26%) Land $25,577 Building $210,824$236,401 (+10.26%) Land $25,577 Building $210,824
2022$3,477.00$214,394 Land $22,089 Building $192,305$214,394 Land $22,089 Building $192,305

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

Flood

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 Record
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
beyond ember reach

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 321 locations within half a mile, as of December 31, 2025

ProviderMax 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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