Bay County property record for 4703 E 3rd St, Panama City, FL 32404
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 1 ba |
| Lot Size | 0.589 acres (25,700 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $327 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 24316-010-000 |
| Primary APN | 24316-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Lot Area | 25,700 sqft (0.589 acres) |
|---|---|
| Lot Dimensions | 198 ft deep x 130 ft wide |
| Fence | Fence |
| Street Address | 4703 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | CLWY04 |
| Legal Description | 12 4S 14W-8.5-118D2 BEG NW COR OF S 1/2 OF SE1/4 OF NW1/4 TH S 130' E 198' N 126' W 198' TO |
| 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 | 900 |
4703 E 3rd St, residential vacant land, is owned by an individual who acquired it in June 2024.
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4711 E HIGHWAY 22, PANAMA CITY, FL 32404-6229 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 25, 2024 |
| Transfer Doc | 0048150367 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4703 E 3rd St was $327, up 19.8% from the year before.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $327.00 (+19.78%) | $23,882 (+16.15%) Land $23,882 | $23,882 (+16.15%) Land $23,882 |
| 2024 | $273.00 (+7.48%) | $20,561 (+7.07%) Land $20,361 Building $200 | $20,561 (+7.07%) Land $20,361 Building $200 |
| 2023 | $254.00 (+22.12%) | $19,204 (+19.02%) Land $19,004 Building $200 | $19,204 (+19.02%) Land $19,004 Building $200 |
| 2022 | $208.00 | $16,135 Land $15,935 Building $200 | $16,135 Land $15,935 Building $200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4703 E 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 98 (1982–2021) |
| Claims Outside the SFHA | 50 of 98 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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.
Wildfire risk around 4703 E 3rd St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| Lead | 1 ppb (2023) action level 15 ppb |
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.
Source: FCC Broadband Data Collection, based on 287 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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