5009 E 3rd St, Panama City, FL 32404 Property Records

Bay County property record for 5009 E 3rd St, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,226 sqft · built 2009
Lot Size	0.169 acres (7,362 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Nov 2024)
Tax Bill	$1,944 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25751-016-000`

Property Details

APN / Parcel Number

Primary APN	`25751-016-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,226 sqft Heated Area
Gross Area	1,660 sqft
1st Floor Area	1,226 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,362 sqft (0.169 acres)
Lot Dimensions	110 ft deep x 67 ft wide
Garage Area	276 sqft
Driveway	Driveway
Driveway Area	360 sqft

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	158 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5009 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 -1.7- 119D1 COM AT NW COR OF NE1/4 E 42.36' S 592.80' E 67.50' FOR POB TH E
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

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	5009 E 3RD ST, PANAMA CITY, FL 32404-7017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2024 · Amount on Record
Deed Sale	Nov 15, 2024 · Amount on Record
Prior Sale	Dec 21, 2018 · Amount on Record
Deed Document Number	2024067236
Deed Book / Page	4860 / 270
Record Updated	Jun 8, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 15, 2024
Property Address	5009 E 3RD ST, PANAMA CITY, FL 32404-7017
Document Number	0048600270
Book / Page	4860 / 270
Instrument Date	Nov 15, 2024
Instrument	2024067236
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17705 NW CARDINAL DR, BLOUNTSTOWN, FL 32424-4841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5009 E 3RD ST, PANAMA CITY, FL 32404-7017

Mortgage

Document Number	2024067237
Date	Nov 15, 2024
Instrument	2024067237

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$1,944.00 (+67.73%) Homeowner's exemption	$179,891 (+47.09%) Land $20,726 Building $159,165	$179,891 (+22.03%) Land $20,726 Building $159,165
2023	$1,159.00 (+38.64%) Homeowner's exemption	$122,299 (+3%)	$147,416 (+8.07%) Land $17,421 Building $129,995
2022	$836.00 Homeowner's exemption	$118,737	$136,411 Land $15,619 Building $120,792

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 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	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 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