Bay County property record for 3941 E 9th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,542 sqft · built 1978 |
| Lot Size | 1.01 acres (44,126 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $159,000 (Mar 2019) |
| Tax Bill | $3,018 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15041-000-000 |
| Primary APN | 15041-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,542 sqft Heated Area |
| Gross Area | 2,259 sqft |
| 1st Floor Area | 1,542 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 44,126 sqft (1.01 acres) |
| Lot Dimensions | 327 ft deep x 135 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 381 sqft |
| Fence | Fence |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air |
| Street Address | 3941 E 9TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-5927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-4S-14W-114-118A3 BEG 2040 FT N & 1020 FT E OF SW COR N 327.97 FT E 135 FT S 326.36 |
| 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 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3941 E 9TH ST, PANAMA CITY, FL 32404-5927 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage DOVENMUEHLE MORTGAGE INC |
| Mar 19, 2019 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2019 · Amount on Record |
| Deed Sale | Mar 19, 2019 · Amount on Record |
| Deed Document Number | 2019029339 |
| Deed Book / Page | 4102 / 2049 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3941 E 9TH ST, PANAMA CITY, FL 32404-5927 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3941 E 9TH ST, PANAMA CITY, FL 32404-5927 |
| Document Number | 0047761079 |
|---|---|
| Date | Feb 26, 2024 |
| Book Page | 4776/1079 |
| Instrument | 2024010294 |
| Name | DOVENMUEHLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Mar 1, 2064 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 19, 2019 |
| Property Address | 3941 E 9TH ST, PANAMA CITY, FL 32404-5927 |
| Document Number | 0041022049 |
| Book / Page | 4102 / 2049 |
| Instrument Date | Mar 14, 2019 |
| Instrument | 2019029339 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,113.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 318 ALEXANDER DR, 318, LYNN HAVEN, FL 32444-4703 |
| Name | Verified Name |
|---|---|
| Address | 6327 OMOKO ST, PANAMA CITY, FL 32404-8078 |
| Document Number | 2019029342 |
|---|---|
| Date | Mar 19, 2019 |
| Instrument | 2019029342 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,018.00 (+4.14%) | $190,331 (+14.58%) Land $52,785 Building $137,546 | $190,331 (+14.58%) Land $52,785 Building $137,546 |
| 2023 | $2,898.00 (+15.78%) | $166,113 (+10.6%) Land $34,155 Building $131,958 | $166,113 (+10.6%) Land $34,155 Building $131,958 |
| 2022 | $2,503.00 | $150,187 Land $29,497 Building $120,690 | $150,187 Land $29,497 Building $120,690 |
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 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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