5005 E 3rd St, Panama City, FL 32404 Property Records

Bay County property record for 5005 E 3rd St, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,266 sqft · built 2009
Lot Size	0.169 acres (7,361 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jun 2021)
Tax Bill	$1,965 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25751-017-000`

Property Details

APN / Parcel Number

Primary APN	`25751-017-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,266 sqft Living Area
Gross Area	1,542 sqft
1st Floor Area	1,266 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	7,361 sqft (0.169 acres)
Lot Dimensions	110 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	276 sqft
Driveway	Driveway
Driveway Area	270 sqft
Porch	Open Porch
Porch Area	158 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5005 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32404-7017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24 4S 14W -1.8- COM AT NW COR OF NE1/4 E 42.36 S 592.80 FOR POB TH E 67.50 S 110 W 67.50 N 110 TO POB ORB 4420 P 2338
Legal Range	14W
Legal Township	04S
Legal Section	24
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3010
Census Tract	900

Owner

5005 E 3rd St is owned and occupied by two individuals who bought it in June 2021.

Source: Bay County records, as of January 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5005 E 3RD ST, PANAMA CITY, FL 32404-7017
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2021 · Amount on File
Deed Sale	Jun 16, 2021 · Amount on File
Prior Sale	Oct 27, 2014 · Amount on File
Deed Document Number	202145673
Deed Book / Page	4420 / 2338
Prior Transfer Date	Sep 22, 2010
Prior Transfer Doc	0032820361
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 16, 2021
Property Address	5005 E 3RD ST, PANAMA CITY, FL 32404-7017
Document Number	0044202338
Book / Page	4420 / 2338
Instrument Date	Jun 15, 2021
Instrument	2021045673
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 12TH ST, 304, PORT SAINT JOE, FL 32456-2148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5005 E 3RD ST, PANAMA CITY, FL 32404-7017

Mortgage

Document Number	44202340
Date	Jun 16, 2021
Instrument	4420/2340

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5005 E 3rd St was $1,965 with a homeowner's exemption, up 3.6% from the year before.

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	$1,965.00 (+3.64%) Homeowner's exemption	$181,359	$203,297 Land $20,726 Building $182,571
2024	$1,896.00 (+2.6%)
2023	$1,848.00 (+15.64%) Homeowner's exemption	$170,979 (+8.76%) Land $17,421 Building $153,558	$170,979 (+8.76%) Land $17,421 Building $153,558
2022	$1,598.00	$157,211 Land $15,619 Building $141,592	$157,211 Land $15,619 Building $141,592

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5005 E 3rd St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5005 E 3rd St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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