Bay County property record for 3931 E 9th St, Panama City, FL 32404
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 2,016 sqft · built 1978 |
| Lot Size | 0.392 acres (17,075 sqft) |
| Owner | Company Name on File |
| Last Sale | $175,000 (Dec 2019) |
| Tax Bill | $2,862 (2025) |
| Deeds & Mortgages | Dec 2019 Construction Loan Nov 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15040-000-000 |
| Primary APN | 15040-000-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 3 Units |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 2,016 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Triplex |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 17,075 sqft (0.392 acres) |
| Lot Dimensions | 255 ft deep x 67 ft wide |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3931 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-3501 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | 1-4S-14W -113- 118A3 COM SW COR TH N 2040 E 885 FOR POB TH E 67.5 N 190 E 67.5 N 65 W 135 S 255 TO POB ORB 4202 P 169 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 1100 |
3931 E 9th St, a triplex, is owned by a company that bought it in December 2019.
Source: Bay County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 112 WILSON AVE, PANAMA CITY, FL 32401-3271 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
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 |
|---|---|
| Dec 17, 2019 | Warranty Deed, Transfer · Construction Mortgage ADRIAN JESSOME LLC |
| Nov 14, 2019 | Warranty Deed, Transfer ROYALL TITLE COMPANY, ROYALL TITLE CO |
| Jan 18, 2017 | Warranty Deed, Transfer · Line of Credit INNOVATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2019 · Amount on File |
| Deed Sale | Dec 17, 2019 · Amount on File |
| Prior Sale | Nov 14, 2019 · Amount on File |
| Deed Document Number | 2019106509 |
| Deed Book / Page | 4202 / 169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 17, 2019 |
| Property Address | 3931 E 9TH ST, PANAMA CITY, FL 32404-3501 |
| Document Number | 0042020169 |
| Book / Page | 004202 / 000169 |
| Instrument Date | Nov 25, 2019 |
| Instrument | 106509 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2020 |
| Title Company | H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 112 WILSON AVE PANAMA CITY FL 324013271, PANAMA CITY, FL 32401-3271 |
| Document Number | 42020171 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 004202/000171 |
| Instrument | 106511 |
| Name | ADRIAN JESSOME LLC |
|---|---|
| Address | 362 MASSALINA DR, PANAMA CITY, FL 32401-3774 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 16, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 14, 2019 |
| Property Address | 3931 E 9TH ST, PANAMA CITY, FL 32404-3501 |
| Document Number | 0041901882 |
| Book / Page | 004190 / 001882 |
| Instrument Date | Nov 4, 2019 |
| Instrument | 98576 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2019 |
| Title Company | ROYALL TITLE COMPANY, ROYALL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $735.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3014 N US HIGHWAY 301 #700 CLAIR MEL CITY FL 336192279, 700, CLAIR MEL CITY, FL 33619-2279 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 18, 2017 |
| Property Address | 3931 E 9TH ST, PANAMA CITY, FL 32404-3501 |
| Document Number | 0038660688 |
| Book / Page | 3866 / 0688 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 2017002745 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 E 4TH ST, 104, PANAMA CITY, FL 32401-3109 |
| Name | Verified Name |
|---|---|
| Address | 320 RED CEDAR LN, PANAMA CITY BEACH, FL 32407-5445 |
| Document Number | 2017002746 |
|---|---|
| Date | Jan 18, 2017 |
| Instrument | 2017002746 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 13, 2022 |
The 2025 property tax bill for 3931 E 9th St was $2,862, down 0.5% from the year before.
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 | $2,862.00 (-0.45%) | $167,731 | $205,666 Land $25,474 Building $180,192 |
| 2024 | $2,875.00 (+5.89%) | ||
| 2023 | $2,715.00 (+19.92%) | $181,168 (+19.95%) Land $16,483 Building $164,685 | $181,168 (+19.95%) Land $16,483 Building $164,685 |
| 2022 | $2,264.00 | $151,032 Land $14,235 Building $136,797 | $151,032 Land $14,235 Building $136,797 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3931 E 9th 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 3931 E 9th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 |
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