511 E 3rd St, Panama City, FL 32401 Property Records

Bay County property record for 511 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 1975
Lot Size	0.198 acres (8,624 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Dec 2025)
Tax Bill	$2,978 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20630-000-000`

Property Details

APN / Parcel Number

Primary APN	`20630-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	1,228 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,624 sqft (0.198 acres)
Lot Dimensions	157 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Porch	Screened/Unfinished Porch
Porch Area	450 sqft
Deck Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-3701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUDDUTHS 1ST ADD LOT 37 & E 9.96 OF S 90 OF LOT 36 BLK 20 & VACATED ALLEY ORD # 1788 ORB 3358 796
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	20
Legal Lot Number	37,36
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4030
Census Tract	1900

Owner

Source: Bay County records · APN 20630-000-000

Assessment roll updated January 5, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	511 E 3RD ST, PANAMA CITY, FL 32401-3701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Dec 16, 2004 · Amount on Record
Deed Document Number	202574889
Deed Book / Page	4986 / 1381
Prior Transfer Date	Sep 29, 2011
Prior Transfer Doc	0033580796
Record Updated	Jun 08, 2026

December 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BAY FL
Recording Date	Dec 23, 2025
Property Address	511 E 3RD ST, PANAMA CITY, FL 32401-3701
Document Number	0049861381
Book / Page	4986 / 1381
Map Reference	MB 1 PG 30
Instrument Date	Dec 19, 2025
Instrument	2025074889
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 160, EBRO, FL 32437-0160

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	511 E 3RD ST, PANAMA CITY, FL 32401-3701

Mortgage

Document Number	0049861383
Date	Dec 23, 2025
Instrument	4986/1383

Lender

Name	DENNIS WALLACE ETUX
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 19, 2035

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,978.00 (+14.14%)	$188,592 (+4.69%) Land $40,682 Building $147,910	$188,592 (+4.69%) Land $40,682 Building $147,910
2024	$2,609.00 (+10.97%)	$180,143 (+17.84%) Land $40,681 Building $139,462	$180,143 (+17.84%) Land $40,681 Building $139,462
2023	$2,351.00 (+53.26%)	$152,865 (+84.28%) Land $35,121 Building $117,744	$152,865 (+84.28%) Land $35,121 Building $117,744
2022	$1,534.00	$82,951 Land $30,496 Building $52,455	$82,951 Land $30,496 Building $52,455

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 4,348 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.