Bay County property record for 808 E 3rd St, Panama City, FL 32401 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,035 sqft · built 1958 |
| Lot Size | 0.31 acres (13,503 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $930 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 21965-000-000 |
| Primary APN | 21965-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,035 sqft Living Area |
| Gross Area | 2,227 sqft |
| 1st Floor Area | 1,783 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,503 sqft (0.31 acres) |
| Lot Dimensions | 135 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 192 sqft |
| Driveway | Driveway |
| Pool Area | 400 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 633 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 808 E 3RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVE TERRACE 3RD ADD LOT 19 & E 20 OF LOT 1 BLK A ORB 1275 P 104 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | COVE TERRACE 3RD ADD |
| Legal Block | A |
| Legal Lot Number | 19,1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 1900 |
Source: Bay County records · APN 21965-000-000
Assessment roll updated January 5, 2026 · Last verified July 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 | 808 E 3RD ST, PANAMA CITY, FL 32401-3734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Sep 22, 2017 |
| Transfer Doc | 0040680225 |
| Record Updated | Sep 20, 2026 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified July 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 | $930.00 (-10.58%) Homeowner's exemption | $100,922 (+5.99%) | $294,795 (+23.65%) Land $69,000 Building $225,795 |
| 2024 | $1,040.00 (-15.99%) | ||
| 2023 | $1,238.00 (-0.24%) Homeowner's exemption | $95,221 (+3%) | $238,408 (+11.34%) Land $59,568 Building $178,840 |
| 2022 | $1,241.00 Homeowner's exemption | $92,448 | $214,122 Land $51,724 Building $162,398 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050019002, 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 |
| Flood Insurance Cost | Premium on Record median of 18 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 10 (1995–2020) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Sep 2020, other causes, Hurricane Sally |
| 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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