Bay County property record for 627 E 3rd St, Panama City, FL 32401 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 832 sqft · built 1945 |
| Lot Size | 0.257 acres (11,238 sqft) |
| Owner | Individual Name on File |
| Last Sale | $37,000 (Dec 1986) |
| Tax Bill | $425 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20607-000-000 |
| Primary APN | 20607-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 832 sqft Heated Area |
| Gross Area | 1,386 sqft |
| 1st Floor Area | 832 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 11,238 sqft (0.257 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 312 sqft |
| Porch | Porch |
| Porch Area | 242 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 627 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUDDUTH'S 1ST ADD LOT 45 & E1/2 LOT 44 ORB 1112 P 1206 BLK 19 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | BUNKERS COVE |
| Legal Block | 19 |
| Legal Lot Number | 44,45 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 1900 |
Source: Bay County records · APN 20607-000-000
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 | 627 E 3RD ST, PANAMA CITY, FL 32401-3703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage MICHIGAN MUTUAL INC |
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 31, 1986 · Amount on Record |
| Deed Sale | Dec 31, 1986 · Amount on Record |
| Deed Document Number | 0011121206 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 627 E 3RD ST, PANAMA CITY, FL 32401-3703 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 627 E 3RD ST, PANAMA CITY, FL 32401-3703 |
| Document Number | 0047140632 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 4714/632 |
| Instrument | 2023047271 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Address | PORT HURON, MI 48060 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 627 E 3RD ST, PANAMA CITY, FL 32401-3703 |
| Transaction Type | Mortgage |
| Record Updated | Oct 01, 2021 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|---|
| Address | 627 E 3RD ST, PANAMA CITY, FL 32401-3703 |
| Document Number | 0044600027 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 4460/27 |
| Instrument | 2021070261 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2036 |
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 | $425.00 (-31.56%) Homeowner's exemption | $55,705 (+5.99%) | $130,986 (+21.91%) Land $52,125 Building $78,861 |
| 2023 | $621.00 (-8.54%) Homeowner's exemption | $52,558 (+3%) | $107,442 (+12.19%) Land $45,000 Building $62,442 |
| 2022 | $679.00 Homeowner's exemption | $51,027 | $95,770 Land $39,075 Building $56,695 |
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
| 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 100 ft |
| 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.
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