Bay County property record for 4630 E 3rd St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,479 sqft · built 1979 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,216 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 25901-000-000 |
| Primary APN | 25901-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,479 sqft Heated Area |
| Gross Area | 1,849 sqft |
| 1st Floor Area | 2,223 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 47,045 sqft (1.08 acres) |
| Lot Dimensions | 173 ft deep x 272 ft wide |
| Garage Type | Mixed |
| Garage Area | 290 sqft |
| Driveway | Driveway |
| Driveway Area | 1,200 sqft |
| Porch | Porch |
| Porch Area | 110 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4630 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARKER PLAT-(55.1)-119D2- LOT 55 & W1/2 LOT 50 ORB 2319 1682 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | PARKER PLAT |
| Legal Lot Number | 50,55 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 900 |
Source: Bay County records, as of January 23, 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 | 4630 E 3RD ST, PANAMA CITY, FL 32404-7158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2003 |
| Deed Sale | Aug 7, 2003 |
| Deed Document Number | 2003-057043 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,216.00 (-6.89%) Homeowner's exemption Disabled Person's exemption Additional exemption filed | $163,779 (+2.9%) | $207,302 (+8.58%) Land $98,532 Building $108,770 |
| 2024 | $1,306.00 (+3.49%) Homeowner's exemption Disabled Person's exemption Additional exemption filed | $159,163 (+3%) | $190,928 (+8.01%) Land $88,536 Building $102,392 |
| 2023 | $1,262.00 (+36.14%) Homeowner's exemption Disabled Person's exemption Additional exemption filed | $154,527 (+2.32%) | $176,765 (+10.56%) Land $82,824 Building $93,941 |
| 2022 | $927.00 Homeowner's exemption Disabled Person's exemption Additional exemption filed | $151,028 | $159,880 Land $74,256 Building $85,624 |
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 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 270 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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