Bay County property record for 403 E 3rd St, Panama City, FL 32401 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,125 sqft · built 1955 |
| Lot Size | 0.153 acres (6,708 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $376 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20639-000-000 |
| Primary APN | 20639-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,125 sqft Heated Area |
| Gross Area | 1,941 sqft |
| 1st Floor Area | 1,125 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,708 sqft (0.153 acres) |
| Lot Dimensions | 90 ft deep x 75 ft wide |
| Garage Area | 650 sqft |
| Porch | Porch |
| Porch Area | 166 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 403 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUDDUTH'S 1ST ADD E 75' OF LOTS 9 & 10 ORB 541 P 582 BLK 20A |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | BUNKERS COVE |
| Legal Block | 20A |
| Legal Lot Number | 9,10 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 1900 |
Source: Bay County records · APN 20639-000-000
Assessment roll updated July 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 403 E 3RD ST, PANAMA CITY, FL 32401-3234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $376.00 (-30.11%) Homeowner's exemption | $48,844 (+5.99%) | $144,896 (+22.08%) Land $42,221 Building $102,675 |
| 2023 | $538.00 (-8.5%) Homeowner's exemption | $46,084 (+3%) | $118,691 (+41.44%) Land $36,450 Building $82,241 |
| 2022 | $588.00 Homeowner's exemption | $44,742 | $83,915 Land $31,650 Building $52,265 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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