Bay County property record for 4623 E 3rd St, Panama City, FL 32404 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,484 sqft · built 1951 |
| Lot Size | 0.478 acres (20,865 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Jul 2025) |
| Tax Bill | $3,645 (2025) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24315-000-000 |
| Primary APN | 24315-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,484 sqft Heated Area |
| Gross Area | 1,839 sqft |
| 1st Floor Area | 1,484 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 20,865 sqft (0.478 acres) |
| Lot Dimensions | 125 ft deep x 167 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 124 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Mobile Home / RV Hookup | Mobile Home / RV Hookup |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4623 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 4S 14W -7-118D2 BEG ON N R/W LINE OF RD 22 100' WOF E LINE OF SW1/4 OF NW1/4 TH N |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 803 |
Source: Bay County records · APN 24315-000-000
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2828 BRIARCLIFF RD, PANAMA CITY, FL 32405-4340 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2025 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 10, 2022 | Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Dec 02, 2021 | Warranty Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 17, 2025 · Amount on Record |
| Deed Sale | Jul 17, 2025 · Amount on Record |
| Prior Sale | Jun 10, 2022 · Amount on Record |
| Deed Document Number | 2025040224 |
| Deed Book / Page | 4933 / 940 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 17, 2025 |
| Property Address | 4623 E 3RD ST, PANAMA CITY, FL 32404-7159 |
| Document Number | 0049330940 |
| Book / Page | 4933 / 940 |
| Instrument Date | Jul 15, 2025 |
| Instrument | 2025040224 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | UNKNOWN, DEFENDER T&E AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8325 E DUTCHMAN ST, NAMPA, ID 83687-4820 |
| Name | Verified Name |
|---|---|
| Address | 2828 BRIARCLIFF RD, PANAMA CITY, FL 32405-4340 |
| Document Number | 0004933942 |
|---|---|
| Date | Jul 17, 2025 |
| Instrument | 4933/942 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 10, 2022 |
| Property Address | 4623 E 3RD ST, PANAMA CITY, FL 32404-7159 |
| Document Number | 0045750762 |
| Book / Page | 4575 / 762 |
| Instrument Date | Jun 10, 2022 |
| Instrument | 2022044030 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,984.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5506 HILLTOP AVE, PANAMA CITY, FL 32408-6615 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4623 E 3RD ST, PANAMA CITY, FL 32404-7159 |
| Document Number | 0004575764 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 4575/764 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 02, 2021 |
| Property Address | 4623 E 3RD ST, PANAMA CITY, FL 32404-7159 |
| Document Number | 0044931642 |
| Book / Page | 4493 / 1642 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021091509 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $595.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 545 MAGNOLIA AVE, PANAMA CITY, FL 32401-3051 |
| Name | Verified Name |
|---|---|
| Address | 5506 HILLTOP AVE, PANAMA CITY, FL 32408-6615 |
| Investor | Possibly a Property Investor |
| Document Number | 0044931645 |
|---|---|
| Date | Dec 02, 2021 |
| Instrument | 4493/1645 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2051 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,645.00 (+8.97%) | $266,205 (+10.56%) Land $63,577 Building $202,628 | $266,205 (+10.56%) Land $63,577 Building $202,628 |
| 2023 | $3,345.00 (+251%) | $240,788 (+226.16%) Land $49,448 Building $191,340 | $240,788 (+226.16%) Land $49,448 Building $191,340 |
| 2022 | $953.00 | $73,826 Land $45,838 Building $27,988 | $73,826 Land $45,838 Building $27,988 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Low above 5% of the US · above 5% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,167 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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