1. Home
  2. Florida
  3. Bay County
  4. Panama City
  5. E 3rd St

4000 E 3rd St, Panama City, FL 32404 Property Records

Bay County property record for 4000 E 3rd St, Panama City, FL 32404

Property Summary

Property TypeMedical Building
Details28,164 sqft · built 1984
Lot Size7.46 acres (324,958 sqft)
OwnerCompany Name on Record
Last Sale$775,000 (Aug 1994)
Tax Bill$453 (2024)
Deeds & MortgagesJan 2020 Loan Modification
Jan 2020 Loan Modification
+ 4 more
Flood ZoneZone AE (high risk)
APN24342-030-000

Property Details

APN / Parcel Number

Primary APN24342-030-000

Interior

Total Rooms42 Rooms
Stories2 Stories
Building Area28,164 sqft Total Area
1st Floor Area21,504 sqft
2nd Floor Area12,210 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Exterior MaterialBrick
Construction TypeSteel Frame
Fire ResistanceFireproof Steel Frame
Roof TypeSteel Frame/Truss
Roof MaterialOther
Lot Area324,958 sqft (7.46 acres)

Exterior Amenities

PorchPorch
Porch Area168 sqft
Deck Area589 sqft
Total Buildings3 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address4000 E 3RD ST
CityPANAMA CITY
StateFL
Zip32404-6257
Property CategoryCommercial
Property TypeCommercial > Office > Medical Building
Legal Description12 4S 14W -33.6-118D3 BEG 40' E & 31.35' S OF NW COR OF SW1/4 OF SEC FOR POB TH
Legal Range14W
Legal Township04S
Legal Section12
Legal SubdivisionST ANDREW BAY DEV CO
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1012
Census Tract1000

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 RecordCompany Name on Record
Mailing Address910 HARRISON AVE, PANAMA CITY, FL 32401-2528
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 17, 2020Loan Modification, Mortgage
TRUSTMARK NAT'L BK
Jan 17, 2020Loan Modification, Mortgage
NOT AVAILABLE
Sep 20, 2019Loan Modification, Mortgage
NOT AVAILABLE
Feb 8, 2019Loan Modification, Mortgage
TRUSTMARK NAT'L BK
Nov 13, 2018Loan Modification, Mortgage
TRUSTMARK NAT'L BK
Jan 17, 2018Loan Modification, Mortgage
TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 31, 1994 · Amount on Record
Deed SaleAug 31, 1994 · Amount on Record
Deed Document Number0001520891
Record UpdatedJun 8, 2026

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address4000 E 3RD ST, PANAMA CITY, FL 32404-6257
Document Number0042220062
Instrument DateJan 17, 2020
Transaction TypeMortgage
Record UpdatedMar 4, 2020
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2230 N EAST AVE PANAMA CITY FL 324056216, PANAMA CITY, FL 32405-6216

Mortgage

Document Number0042220062
DateFeb 13, 2020
Book Page004222/000062
Instrument11627
Lender
NameTRUSTMARK NAT'L BK
TypeBank
AddressPANAMA CITY, FL 32405
Agreement
Term12 Months
DueFeb 12, 2021

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address4000 E 3RD ST, PANAMA CITY, FL 32404-6257
Document Number0042220057
Instrument DateJan 17, 2020
Transaction TypeMortgage
Record UpdatedMar 4, 2020
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2230 N EAST AVE PANAMA CITY FL 324056216, PANAMA CITY, FL 32405-6216

September 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address4000 E 3RD ST, PANAMA CITY, FL 32404-6257
Document Number0041731116
Instrument DateSep 20, 2019
Transaction TypeMortgage
Record UpdatedOct 17, 2019
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4000 E 3RD ST PANAMA CITY FL 324046257, PANAMA CITY, FL 32404-6257

February 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address4000 E 3RD ST, PANAMA CITY, FL 32404-6257
Document Number0040980918
Instrument DateFeb 8, 2019
Transaction TypeMortgage
Record UpdatedMar 26, 2019

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4000 E 3RD ST CALLAWAY FL 324046257, CALLAWAY, FL 32404-6257

Mortgage

Document Number0040980918
DateMar 7, 2019
Book Page004098/000918
Instrument25122
Lender
NameTRUSTMARK NAT'L BK
TypeBank
AddressPANAMA CITY, FL 32405
Agreement
Term12 Months
DueMar 6, 2020

November 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address4000 E 3RD ST, PANAMA CITY, FL 32404-6257
Document Number0040641765
Instrument DateNov 13, 2018
Transaction TypeMortgage
Record UpdatedJan 8, 2019

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4000 E 3RD ST CALLAWAY FL 324046257, CALLAWAY, FL 32404-6257

Mortgage

Document Number0040641765
DateNov 30, 2018
Book Page004064/001765
Instrument69770
Lender
NameTRUSTMARK NAT'L BK
TypeBank
AddressPANAMA CITY, FL 32405
Agreement
Term12 Months
DueNov 29, 2019

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address4000 E 3RD ST, PANAMA CITY, FL 32404-6257
Document Number0039781733
Instrument DateJan 17, 2018
Transaction TypeMortgage
Record UpdatedFeb 28, 2018

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4000 E 3RD ST CALLAWAY FL 324046257, CALLAWAY, FL 32404-6257

Mortgage

Document Number0039781733
DateFeb 12, 2018
Book Page003978/001733
Instrument7915
Lender
NameTRUSTMARK NAT'L BK
TypeBank
AddressPANAMA CITY, FL 32405
Agreement
Term12 Months
DueFeb 11, 2019

Tax Assessment & Valuation

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

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$746,920 (-4.08%) Land $417,760 Building $329,160$746,920 (-4.08%) Land $417,760 Building $329,160
2024$453.00 (+49.01%)
2023$304.00 (-3.18%) Additional exemption filed$778,690 (+28.96%) Land $417,760 Building $360,930$778,690 (+28.96%) Land $417,760 Building $360,930
2022$314.00 Additional exemption filed$603,821 Land $417,760 Building $186,061$603,821 Land $417,760 Building $186,061

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 AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2016)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 2016 · river or lake flooding

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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

ProviderMax 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
T-Mobile
Fixed Wireless		100 / 20

Nearby Properties on E 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures