Bay County property record for 4409 E 3rd St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 918 sqft · built 1993 |
| Lot Size | 0.822 acres (35,806 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $35,600 (Dec 2018) |
| Tax Bill | $813 (2025) |
| Deeds & Mortgages | Apr 2023 Transfer Dec 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 25899-000-000 |
| Primary APN | 25899-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 918 sqft Living Area |
| 1st Floor Area | 918 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 35,806 sqft (0.822 acres) |
| Lot Dimensions | 207 ft deep x 173 ft wide |
| Garage Type | Carport |
| Garage Area | 242 sqft |
| Carport | Carport |
| Carport Area | 242 sqft |
| Driveway | Driveway |
| Cooling System | Window A/C |
|---|
| Street Address | 4409 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-6260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARKER PLAT LOT 52 MAP 119D2 ORB 4675 P 2281 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | PARKER PLAT |
| Legal Lot Number | 52 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 900 |
Source: Bay County records, as of January 5, 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 |
|---|---|
| Mailing Address | 4409 E 3RD ST, PANAMA CITY, FL 32404-6260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 6, 2023 | Intrafamily Transfer, Transfer |
| Dec 12, 2018 | Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 2018 · Amount on Record |
| Deed Sale | Dec 12, 2018 · Amount on Record |
| Prior Sale | Sep 11, 2002 · Amount on Record |
| Deed Document Number | 201874444 |
| Deed Book / Page | 4068 / 1733 |
| Last Transfer Date | Apr 3, 2023 |
| Transfer Doc | 0046752281 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 6, 2023 |
| Property Address | 4409 E 3RD ST, PANAMA CITY, FL 32404-6260 |
| Document Number | 0046752281 |
| Book / Page | 4675 / 2281 |
| Instrument Date | Apr 3, 2023 |
| Instrument | 2023021123 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4409 E 3RD ST, PANAMA CITY, FL 32404-6260 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4409 E 3RD ST, PANAMA CITY, FL 32404-6260 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 12, 2018 |
| Property Address | 4409 E 3RD ST, PANAMA CITY, FL 32404-6260 |
| Document Number | 0040681733 |
| Book / Page | 004068 / 001733 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 74444 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2019 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $249.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6815 FORSYTHE DR PANAMA CITY FL 324044901, PANAMA CITY, FL 32404-4901 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Parker City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $813.00 (+4.5%) Homeowner's exemption | $99,037 (+5.99%) | $120,037 (+17.47%) Land $64,460 Building $55,577 |
| 2024 | $778.00 (+3.6%) | ||
| 2023 | $751.00 (+36.3%) Homeowner's exemption | $93,443 (+3%) | $102,186 (+10.77%) Land $54,183 Building $48,003 |
| 2022 | $551.00 Homeowner's exemption | $90,721 | $92,247 Land $48,578 Building $43,669 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 44 units insured incl. 6 condo units |
| Nearby Flood Claims | 16 (1987–2018) |
| Claims Outside the SFHA | 8 of 16 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 | PARKER, CITY OF WATER SYSTEM serves 4,358 people · EPA ID FL1030520 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Oct 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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