Bay County property record for 608 E 3rd St, Panama City, FL 32401 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,399 sqft · built 1943 |
| Lot Size | 0.248 acres (10,846 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,569 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20683-000-000 |
| Primary APN | 20683-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,399 sqft Heated Area |
| Gross Area | 2,753 sqft |
| 1st Floor Area | 2,399 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Wood |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,846 sqft (0.248 acres) |
| Lot Dimensions | 217 ft deep x 50 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 479 sqft |
| Deck Area | 140 sqft |
| Patio Area | 788 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 608 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUDDUTHS 1ST ADD LOT 12 ORB 1916 P 1392 ORB 2134 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 23 |
| Legal Lot Number | 12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 1900 |
Source: Bay County records · APN 20683-000-000
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 | 608 E 3RD ST, PANAMA CITY, FL 32401-3704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 18, 2002 |
| Deed Sale | Apr 18, 2002 |
| Deed Document Number | 2002-023207 |
| Record Updated | Jun 08, 2026 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama 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 | $1,569.00 (-7.87%) Homeowner's exemption | $141,411 (+5.99%) | $235,075 (+22.96%) Land $37,878 Building $197,197 |
| 2023 | $1,703.00 (+65.18%) Homeowner's exemption | $133,423 (+52.08%) | $191,177 (+87.47%) Land $32,700 Building $158,477 |
| 2022 | $1,031.00 Homeowner's exemption | $87,734 | $101,980 Land $28,394 Building $73,586 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050019004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 28 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 14 (1985–2021) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Sep 2021, other causes |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 437 locations within about half a mile of this property
| Provider | Technology | Download / Upload (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 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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