Bay County property record for 4801 E 3rd St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 886 sqft · built 1950 |
| Lot Size | 0.228 acres (9,975 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (May 2017) |
| Tax Bill | $764 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25891-000-000 |
| Primary APN | 25891-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 886 sqft Heated Area |
| Gross Area | 1,014 sqft |
| 1st Floor Area | 886 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,975 sqft (0.228 acres) |
| Lot Dimensions | 102 ft deep x 98 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 128 sqft |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4801 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARKER PLAT (46.1) 119D2 BEG SW COR LOT 46 TH E 98' N 105.27' W 41.48' S 7.92' W |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | PARKER PLAT |
| Legal Lot Number | 46 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3018 |
| 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 | 4801 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2022 | Deed of Trust, Mortgage · Line of Credit TYNDALL FCU |
| Dec 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| May 16, 2017 | Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2017 · Amount on Record |
| Deed Sale | May 16, 2017 · Amount on Record |
| Prior Sale | Jul 25, 2013 · Amount on Record |
| Deed Document Number | 2017027749 |
| Deed Book / Page | 3900 / 2254 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 4801 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4801 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Document Number | 0045941130 |
|---|---|
| Date | Aug 2, 2022 |
| Book Page | 4594/1130 |
| Instrument | 2022057143 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 4801 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4801 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Document Number | 0043401655 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 4340/1655 |
| Instrument | 2020086268 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 318 Months |
| Due | Jun 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 16, 2017 |
| Property Address | 4801 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Document Number | 0039002254 |
| Book / Page | 3900 / 2254 |
| Instrument Date | May 15, 2017 |
| Instrument | 2017027749 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 309 RIVER CHASE DR, 309, BAINBRIDGE, GA 39819-6425 |
| Name | Verified Name |
|---|---|
| Address | 119 CHERI LN, PANAMA CITY, FL 32404-6948 |
| Document Number | 2017027750 |
|---|---|
| Date | May 16, 2017 |
| Instrument | 2017027750 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
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 | $764.00 (+8.52%) Homeowner's exemption | $95,526 (+5.99%) | $112,242 (+18.11%) Land $28,738 Building $83,504 |
| 2023 | $704.00 (+35.91%) Homeowner's exemption | $90,130 (+3%) | $95,032 (+8.6%) Land $24,157 Building $70,875 |
| 2022 | $518.00 Homeowner's exemption | $87,505 Land $21,658 Building $65,847 | $87,505 Land $21,658 Building $65,847 |
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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