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

Bay County property record for 610 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,031 sqft · built 1945
Lot Size	0.498 acres (21,692 sqft)
Owner	Individual Name on File
Last Sale	$138,700 (Oct 2005)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Mar 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20682-000-000`

Property Details

APN / Parcel Number

Primary APN	`20682-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,031 sqft Living Area
1st Floor Area	2,031 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1985
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,692 sqft (0.498 acres)
Lot Dimensions	217 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	1,440 sqft
Carport	Carport
Carport Area	1,440 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	610 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. LOTS 10 & 11 BLK 23 ORB 4542 P 1764 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	23
Legal Lot Number	10,11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4028
Census Tract	1900

Owner

Source: Bay County records · APN 20682-000-000

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	Individual Name on File
Mailing Address	610 E 3RD ST, PANAMA CITY, FL 32401-3704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 21, 2005 · Amount on Record
Deed Sale	Oct 21, 2005 · Amount on Record
Prior Sale	Apr 20, 2004 · Amount on Record
Deed Document Number	200584079
Deed Book / Page	2691 / 1979
Last Transfer Date	Jan 06, 2022
Transfer Doc	0045421764
Record Updated	Jun 08, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Mar 28, 2022
Property Address	610 E 3RD ST, PANAMA CITY, FL 32401-3704
Document Number	0045421764
Book / Page	4542 / 1764
Map Reference	MB 1 PG 30
Instrument Date	Jan 06, 2022
Instrument	2022022931
Transaction Type	Transfer
Record Updated	Feb 07, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E 3RD ST, PANAMA CITY, FL 32401-3704

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 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	$1,980.00 (-3.88%) Homeowner's exemption	$167,448 (+5.99%)	$220,534 (+22.26%) Land $75,755 Building $144,779
2024	$2,060.00 (-3.96%)
2023	$2,145.00 (+4.03%) Homeowner's exemption	$157,989 (+3%)	$180,384 (+11.8%) Land $65,400 Building $114,984
2022	$2,062.00 Homeowner's exemption	$153,387	$161,344 Land $56,789 Building $104,555

Flood & Wildfire

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

Flood

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 23 of 28 on primary residences
Nearby Flood Claims	14 (1985–2021)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Sep 2021, other causes
Flood Events	Hurricane Michael (Oct 2018), 7 claims

Wildfire

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.