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

Bay County property record for 625 E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,250 sqft · built 1940
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Mar 2026)
Tax Bill	$1,836 (2025)
Deeds & Mortgages	Mar 2026 Sale Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20606-000-000`

Property Details

APN / Parcel Number

Primary APN	`20606-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,250 sqft Living Area
1st Floor Area	875 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Driveway	Driveway
Driveway Area	432 sqft
Porch	Florida Room
Porch Area	375 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	625 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-3703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD LOT 43 & W1/2 LOT 44 BLK 19 ORB 4500 P 431 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	19
Legal Lot Number	43,44
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4020
Census Tract	1900

Owner

Source: Bay County records, as of March 26, 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	625 E 3RD ST, PANAMA CITY, FL 32401-3703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Warranty Deed, Transfer SETCO SERVICES LLC
Dec 16, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 16, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2026 · Amount on Record
Deed Sale	Mar 12, 2026 · Amount on Record
Prior Sale	Sep 30, 2002 · Amount on Record
Deed Document Number	202614988
Deed Book / Page	5011 / 2230
Prior Transfer Date	Nov 29, 2021
Prior Transfer Doc	0045000428
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 12, 2026
Property Address	625 E 3RD ST, PANAMA CITY, FL 32401-3703
Document Number	0050112230
Book / Page	5011 / 2230
Map Reference	MB 1 PG 30
Instrument Date	Mar 6, 2026
Instrument	2026014988
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1558 STONE MILL RD, LANCASTER, PA 17603-6044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 S CLINTON ST # B-1003, B, DEFIANCE, OH 43512-2792

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 16, 2021
Property Address	625 E 3RD ST, PANAMA CITY, FL 32401-3703
Document Number	0045000431
Book / Page	4500 / 431
Map Reference	MB 1 PG 30
Instrument Date	Nov 30, 2021
Instrument	2021095380
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 71184, RICHMOND, CA 94807-1184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1558 STONE MILL RD, LANCASTER, PA 17603-6044

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Dec 16, 2021
Property Address	625 E 3RD ST, PANAMA CITY, FL 32401-3703
Document Number	0045000428
Book / Page	4500 / 428
Map Reference	MB 1 PG 30
Instrument Date	Nov 29, 2021
Instrument	2021095379
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6312 SEVEN CORNERS CTR # CTR104, 6312, FALLS CHURCH, VA 22044-2409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4765 GUERNEVILLE RD, SANTA ROSA, CA 95401-3711

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,836.00 (-8.57%)	$95,653 (-25.03%)	$156,696 (+22.82%) Land $52,125 Building $104,571
2024	$2,008.00 (+13%)
2023	$1,777.00 (+33.01%)	$127,587 (+77.54%) Land $45,000 Building $82,587	$127,587 (+77.54%) Land $45,000 Building $82,587
2022	$1,336.00	$71,865 Land $39,075 Building $32,790	$71,865 Land $39,075 Building $32,790

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

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 28 policies
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 Event	Hurricane Michael, Oct 2018 · 7 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 437 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

May also be available: AT&T.

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