3932 E 9th St, Panama City, FL 32404 Property Records

Bay County property record for 3932 E 9th St, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,434 sqft · built 1972
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Last Sale	$258,000 (Jun 2022)
Tax Bill	$3,677 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15031-030-000`

Property Details

APN / Parcel Number

Primary APN	`15031-030-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,434 sqft Heated Area
Gross Area	1,856 sqft
1st Floor Area	1,434 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Porch	Porch
Porch Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3932 E 9TH ST
City	PANAMA CITY
State	FL
Zip	32404-5926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 4S 14W -104.5- 118A3 COM AT SW COR OF SEC TH E 615' N 1980' TO S R/W 9TH ST TH E
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

Owner

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	7919 SIBLEY WAY, SEVERN, MD 21144-1181
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Prior Sale	May 28, 2014 · Amount on Record
Deed Document Number	2022045556
Deed Book / Page	4577 / 1688
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 17, 2022
Property Address	3932 E 9TH ST, PANAMA CITY, FL 32404-5926
Document Number	0045771688
Book / Page	4577 / 1688
Instrument Date	Jun 13, 2022
Instrument	2022045556
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2621 E 15TH ST, 2621, PANAMA CITY, FL 32405-6352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5850 CAMERON RUN TER APT 1108, 1108, ALEXANDRIA, VA 22303-2728

Mortgage

Document Number	0045771690
Date	Jun 17, 2022
Instrument	4577/1690

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,677.00 (+24.81%)	$231,866 (+9.22%) Land $27,200 Building $204,666	$231,866 (+9.22%) Land $27,200 Building $204,666
2023	$2,946.00 (+162.8%) Homeowner's exemption	$212,283 (+131.26%) Land $17,600 Building $194,683	$212,283 (+131.26%) Land $17,600 Building $194,683
2022	$1,121.00	$91,794 Land $15,200 Building $76,594	$91,794 Land $15,200 Building $76,594

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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