Bay County property record for 4809 E 3rd St, Panama City, FL 32404
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 1,118 sqft · built 1939 |
| Lot Size | 0.392 acres (17,119 sqft) |
| Owner | Individual Name on File |
| Last Sale | $46,000 (Sep 2023) |
| Tax Bill | $498 (2025) |
| Deeds & Mortgages | Sep 2023 Sale Jun 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25890-000-000 |
| Primary APN | 25890-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,118 sqft |
| 1st Floor Area | 1,118 sqft |
| Year Built | Built 1939 |
|---|---|
| Exterior Material | Shingles |
| Lot Area | 17,119 sqft (0.392 acres) |
| Lot Dimensions | 173 ft deep x 99 ft wide |
| Porch | Porch |
| Porch Area | 416 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4809 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7050 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | PARKER PLAT-(45.2)-119D2- W 1/2 LOT 45 ORB 4734 P 2068 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | PARKER PLAT |
| Legal Lot Number | 45 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 900 |
Source: Bay County records · APN 25890-000-000
Assessment roll updated July 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 110 FORREST ST, HEADLAND, AL 36345-1707 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2023 | Warranty Deed, Transfer SETCO SERVICES LLC |
| Jun 07, 2022 | Warranty Deed, Transfer SETCO SERVICES LLC |
| Jul 22, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 27, 2023 · Amount on Record |
| Deed Sale | Sep 27, 2023 · Amount on Record |
| Prior Sale | Jun 07, 2022 · Amount on Record |
| Deed Document Number | 2023061363 |
| Deed Book / Page | 4734 / 2068 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 27, 2023 |
| Property Address | 4809 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Document Number | 0047342068 |
| Book / Page | 4734 / 2068 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 2023061363 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $322.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4808 E 3RD ST, PANAMA CITY, FL 32404-7049 |
| Name | Verified Name |
|---|---|
| Address | 110 FORREST ST, HEADLAND, AL 36345-1707 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 07, 2022 |
| Property Address | 4809 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Document Number | 0045731035 |
| Book / Page | 4573 / 1035 |
| Instrument Date | Jun 03, 2022 |
| Instrument | 2022042920 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2022 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $182.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 527 NW KINGSLEY LN, 527, JENNINGS, FL 32053-2027 |
| Name | Verified Name |
|---|---|
| Address | 4808 E 3RD ST, PANAMA CITY, FL 32404-7049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 22, 2020 |
| Property Address | 4809 E 3RD ST, PANAMA CITY, FL 32404-7050 |
| Document Number | 0042770122 |
| Book / Page | 004277 / 000122 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 47513 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 527 NW KINGSLEY LN JENNINGS FL 320532027, JENNINGS, FL 32053-2027 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Parker City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $498.00 (+16.9%) | $35,863 (+18.97%) Land $35,863 | $35,863 (+18.97%) Land $35,863 |
| 2023 | $426.00 (+55.47%) | $30,145 (+11.54%) Land $30,145 | $30,145 (+11.54%) Land $30,145 |
| 2022 | $274.00 | $27,027 Land $27,027 | $27,027 Land $27,027 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 201 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PARKER, CITY OF WATER SYSTEM serves 4,358 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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