Bay County property record for 4709 E 3rd St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 592 sqft · built 1943 |
| Lot Size | 0.158 acres (6,926 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $60,000 (Jun 2014) |
| Tax Bill | $366 (2025) |
| Deeds & Mortgages | Jul 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 25896-000-000 |
| Primary APN | 25896-000-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 592 sqft Heated Area |
| Gross Area | 692 sqft |
| 1st Floor Area | 592 sqft |
| Interior Walls | Wood |
| Year Built | Built 1943 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,926 sqft (0.158 acres) |
| Lot Dimensions | 86 ft deep x 81 ft wide |
| Porch | Porch |
| Porch Area | 48 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Radiant |
| Street Address | 4709 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARKER PLAT-(49.4)-119D2- BEG 190.5' W OF SE COR OF LOT 49 TH W 81.5' N 86.5' E 81.5' |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | PARKER PLAT |
| Legal Lot Number | 49 |
| 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 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 114 SEA OATS DR, PANAMA CITY BEACH, FL 32413-2763 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2014 · Amount on Record |
| Deed Sale | Jun 19, 2014 · Amount on Record |
| Prior Sale | Nov 1, 2002 · Amount on Record |
| Deed Document Number | 2014032903 |
| Deed Book / Page | 3617 / 1869 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 4709 E 3RD ST, PANAMA CITY, FL 32404-7161 |
| Document Number | 0041621468 |
| Instrument Date | Jul 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 114 SEA OATS DR PANAMA CITY BEACH FL 324132763, PANAMA CITY BEACH, FL 32413-2763 |
| Document Number | 0041621468 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 004162/001468 |
| Instrument | 77716 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32405 |
| Term | 84 Months |
|---|---|
| Due | Aug 29, 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 | $366.00 (+33.58%) | $32,296 (+54.84%) Land $13,246 Building $19,050 | $32,296 (+54.84%) Land $13,246 Building $19,050 |
| 2023 | $274.00 (+53.93%) | $20,858 (+14.16%) Land $11,134 Building $9,724 | $20,858 (+14.16%) Land $11,134 Building $9,724 |
| 2022 | $178.00 | $18,271 Land $9,982 Building $8,289 | $18,271 Land $9,982 Building $8,289 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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