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404 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 404 E 3rd St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 541 sqft · built 1946
Lot Size0.057 acres (2,482 sqft)
OwnerIndividual Name on File
Last Sale$153,000 (May 2023)
Tax Bill$1,392 (2025)
Deeds & MortgagesMay 2023 Sale
May 2023 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN20650-000-000

Property Details

APN / Parcel Number

Primary APN20650-000-000

Interior

Bedrooms1 Bed
Full Baths1 Bath
Stories1 Story
Building Area541 sqft Living Area
1st Floor Area541 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1946
Effective Year BuiltEffective 2016
Exterior MaterialConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area2,482 sqft (0.057 acres)
Lot Dimensions50 ft deep x 50 ft wide
Garage TypeCarport
Garage Area170 sqft
CarportCarport
Carport Area170 sqft
PorchOpen Porch
Porch Area80 sqft
Patio Area240 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemConvection

Location & Zoning

Street Address404 E 3RD ST
CityPANAMA CITY
StateFL
Zip32401-3235
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC02
Legal DescriptionSUDDUTHS 1ST ADD. E 50 OF LOT 12 & E 50 OF N1/2 OF LOT 13 ORB 4684 P 411 BLK 21
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionSUDDUTHS 1ST ADD
Legal Block21
Legal Lot Number12,13
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group4
Census Block4032
Census Tract1900

Owner

Source: Bay County records · APN 20650-000-000

Assessment roll updated January 5, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address404 E 3RD ST, PANAMA CITY, FL 32401-3235
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 01, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
May 01, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Sep 17, 2019Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 01, 2023 · Amount on Record
Deed SaleMay 01, 2023 · Amount on Record
Prior SaleSep 17, 2019 · Amount on Record
Deed Document Number202326775
Deed Book / Page4684 / 411
Prior Transfer DateApr 08, 2023
Prior Transfer Doc0046840408
Record UpdatedSep 20, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 01, 2023
Property Address404 E 3RD ST, PANAMA CITY, FL 32401-3235
Document Number0046840411
Book / Page4684 / 411
Map ReferenceMB 1 PG 30
Instrument DateApr 28, 2023
Instrument2023026775
Transaction TypeTransfer
Record UpdatedJun 06, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$1,071.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address407 E MCDONOUGH ST, SAVANNAH, GA 31401

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 E 3RD ST, PANAMA CITY, FL 32401-3235

May 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateMay 01, 2023
Property Address404 E 3RD ST, PANAMA CITY, FL 32401-3235
Document Number0046840408
Book / Page4684 / 408
Instrument DateApr 28, 2023
Instrument2023026774
Transaction TypeTransfer
Record UpdatedJun 06, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address404 E 3RD ST, PANAMA CITY, FL 32401-3235

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 E 3RD ST, PANAMA CITY, FL 32401-3235

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 17, 2019
Property Address404 E 3RD ST, PANAMA CITY, FL 32401-3235
Document Number0041681329
Book / Page4168 / 1329
Instrument DateAug 29, 2019
Instrument2019082219
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyH & S TITLE AND ESCROW INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$735.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address242 ALLEN AVE, 242, PANAMA CITY, FL 32401-3290

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 E 3RD ST, PANAMA CITY, FL 32401-3235

Mortgage

Document Number0041681332
DateSep 17, 2019
Instrument4168/1332
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2049

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,392.00 (-7.75%) Homeowner's exemption$130,172 (+55.03%) Land $20,502 Building $109,670$130,172 (+55.03%) Land $20,502 Building $109,670
2024$1,509.00 (-7.82%)
2023$1,637.00 (+11.97%)$83,967 (+8.86%) Land $17,700 Building $66,267$83,967 (+8.86%) Land $17,700 Building $66,267
2022$1,462.00$77,132 Land $15,369 Building $61,763$77,132 Land $15,369 Building $61,763

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 28 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies28 in force
Nearby Flood Claims14 (1985–2021)
Claims Outside the SFHA7 of 14
Most Recent ClaimSep 2021 · other causes
Claims by Event
  • Hurricane Michael, Oct 2018 · 7 claims

Wildfire

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: AT&T.

Based on FCC filings for 437 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemPANAMA CITY WATER SYSTEM
serves 34,345 people
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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