Bay County property record for 407 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,095 sqft · built 1955 |
| Lot Size | 0.119 acres (5,183 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Nov 2019) |
| Tax Bill | $1,734 (2025) |
| Deeds & Mortgages | Feb 2021 Transfer May 2020 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20641-000-000 |
| Primary APN | 20641-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,095 sqft Living Area |
| 1st Floor Area | 1,095 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,183 sqft (0.119 acres) |
| Lot Dimensions | 90 ft deep x 58 ft wide |
| Garage Type | Carport |
| Garage Area | 300 sqft |
| Carport | Carport |
| Carport Area | 300 sqft |
| Driveway | Driveway |
| Driveway Area | 240 sqft |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 407 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTHS 1ST ADD. W 58 LOTS 11,12 ORB 295 P 222 BLK 20A MAP 105C2 ORB 4360 P 756 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 20A |
| Legal Lot Number | 11,12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 1900 |
Source: Bay County records · APN 20641-000-000
Assessment roll updated January 5, 2026 · Last verified April 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 | 407 E 3RD ST, PANAMA CITY, FL 32401-3234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 05, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| May 04, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 04, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Feb 11, 2019 | Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 04, 2019 · Amount on Record |
| Deed Sale | Nov 04, 2019 · Amount on Record |
| Prior Sale | Feb 11, 2019 · Amount on Record |
| Deed Document Number | 201995602 |
| Deed Book / Page | 4186 / 1776 |
| Last Transfer Date | Nov 16, 2020 |
| Transfer Doc | 0043600756 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 05, 2021 |
| Property Address | 407 E 3RD ST, PANAMA CITY, FL 32401-3234 |
| Document Number | 0043600756 |
| Book / Page | 4360 / 756 |
| Instrument Date | Nov 16, 2020 |
| Instrument | 2021008627 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2631 FEROL LN, 2631, LYNN HAVEN, FL 32444-3213 |
| Name | Verified Name |
|---|---|
| Address | 407 E 3RD ST, PANAMA CITY, FL 32401-3234 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 04, 2020 |
| Property Address | 407 E 3RD ST, PANAMA CITY, FL 32401-3234 |
| Document Number | 0042481113 |
| Book / Page | 004248 / 001113 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 29399 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2631 FEROL LN LYNN HAVEN FL 324443213, LYNN HAVEN, FL 32444-3213 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 04, 2019 |
| Property Address | 407 E 3RD ST, PANAMA CITY, FL 32401-3234 |
| Document Number | 0041861776 |
| Book / Page | 004186 / 001776 |
| Instrument Date | Nov 01, 2019 |
| Instrument | 95602 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2631 FEROL LN LYNN HAVEN FL 324443213, LYNN HAVEN, FL 32444-3213 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 11, 2019 |
| Property Address | 407 E 3RD ST, PANAMA CITY, FL 32401-3234 |
| Document Number | 0040882162 |
| Book / Page | 004088 / 002162 |
| Instrument Date | Feb 08, 2019 |
| Instrument | 15700 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2019 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 315 E 15TH ST PANAMA CITY FL 324055408, PANAMA CITY, FL 32405-5408 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 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 | $1,734.00 (-4.78%) Homeowner's exemption | $151,838 (+2.9%) | $189,143 (+12.06%) Land $32,651 Building $156,492 |
| 2024 | $1,821.00 (-4.81%) Homeowner's exemption | $147,559 (+3%) | $168,789 (+17.82%) Land $32,651 Building $136,138 |
| 2023 | $1,913.00 (-18.28%) Homeowner's exemption | $143,261 (+9.42%) Land $28,188 Building $115,073 | $143,261 (+9.42%) Land $28,188 Building $115,073 |
| 2022 | $2,341.00 | $130,926 Land $24,476 Building $106,450 | $130,926 Land $24,476 Building $106,450 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), as of September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050019004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 14 (1985–2021) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Sep 2021 · other causes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
Source: EPA Safe Drinking Water Information System, water system FL1030517, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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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