4700 E 3rd St, Panama City, FL 32404 Property Records

Bay County property record for 4700 E 3rd St, Panama City, FL 32404

Property Summary

Property Type	Commercial Office
Details	1,392 sqft · built 1955
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Tax Bill	$586 (2025)
Deeds & Mortgages	May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`24838-010-000`

Property Details

APN / Parcel Number

Primary APN	`24838-010-000`

Interior

Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,392 sqft Gross Area
1st Floor Area	1,392 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Metal
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	75 ft deep x 100 ft wide
Porch	Unfinished Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	4700 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32404
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	CLWY04
Legal Description	THOUSAND OAKS N 75 LOTS 1,2 BLK 3 ORB 4009 P 1412
Legal Range	14W
Legal Township	04S
Legal Section	12
Legal Subdivision	THOUSAND OAKS
Legal Block	3
Legal Lot Number	1,2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1021
Census Tract	803

Owner

Source: Bay County records, as of January 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6919 E HIGHWAY 388, YOUNGSTOWN, FL 32466-3033
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 14, 2017
Transfer Doc	0040091412
Record Updated	Jun 8, 2026

May 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	May 18, 2018
Property Address	4700 E 3RD ST, PANAMA CITY, FL 32404
Document Number	0040091412
Book / Page	004009 / 001412
Instrument Date	Dec 14, 2017
Instrument	29520
Record Updated	Nov 21, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	280 ARLINGTON DR CALLAWAY FL 324046216, CALLAWAY, FL 32404-6216

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Callaway City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$586.00 (+5.21%)	$38,865 (-20.85%)	$49,104 (%) Land $37,500 Building $11,604
2024	$557.00 (+3.34%)
2023	$539.00 (+21.12%)	$49,105 (+18.03%) Land $37,500 Building $11,605	$49,105 (+18.03%) Land $37,500 Building $11,605
2022	$445.00	$41,605 Land $30,000 Building $11,605	$41,605 Land $30,000 Building $11,605

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

Flood

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 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	5 (2008–2021)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Oct 2021 · rainfall accumulation

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Also Mapped Here	CALLAWAY, CITY OF WATER SYSTEM
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20