4931 E 3rd St, Panama City, FL 32404 Property Records

Bay County property record for 4931 E 3rd St, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,552 sqft · built 1949
Lot Size	1.47 acres (64,163 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Apr 2020)
Tax Bill	$1,530 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`25887-000-000`

Property Details

APN / Parcel Number

Primary APN	`25887-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	64,163 sqft (1.47 acres)
Lot Dimensions	173 ft deep x 198 ft wide
Porch	Slab
Porch Area	632 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4931 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32404-7052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARKER PLAT LOTS 42 & 43 MAP 119D2 ORB 4245 P 1121
Legal Range	14W
Legal Township	04S
Legal Section	24
Legal Subdivision	PARKER PLAT
Legal Lot Number	42,43
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3017
Census Tract	900

Owner

Source: Bay County records, as of May 6, 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 Record
Mailing Address	4931 E 3RD ST, PANAMA CITY, FL 32404-7052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2020 · Amount on Record
Deed Sale	Apr 23, 2020 · Amount on Record
Prior Sale	Aug 14, 2012 · Amount on Record
Deed Document Number	202027690
Deed Book / Page	4245 / 1121
Prior Transfer Date	Feb 2, 2010
Prior Transfer Doc	0032220481
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 23, 2020
Property Address	4931 E 3RD ST, PANAMA CITY, FL 32404-7052
Document Number	0042451121
Book / Page	4245 / 1121
Instrument Date	Apr 20, 2020
Instrument	2020027690
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1152 S 900 W, 1152, SALT LAKE CITY, UT 84104-1518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4931 E 3RD ST, PANAMA CITY, FL 32404-7052

Mortgage

Document Number	0042451124
Date	Apr 23, 2020
Instrument	4245/1124

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,530.00 (+3.8%) Homeowner's exemption	$150,262 (+5.99%)	$182,938 (+17.02%) Land $108,841 Building $74,097
2024	$1,474.00 (+2.79%)
2023	$1,434.00 (+39.49%) Homeowner's exemption	$141,774 (+3%)	$156,326 (+10.6%) Land $91,489 Building $64,837
2022	$1,028.00 Homeowner's exemption	$137,645	$141,341 Land $82,024 Building $59,317

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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	Hurricane Michael, Oct 2018 · 10 claims Hurricane Opal, Oct 1995 · 2 claims

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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 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