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

Bay County property record for 900 E 3rd St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,234 sqft · built 1953
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,000 (Jan 2026)
Tax Bill	$150 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Apr 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21963-000-000`

Property Details

APN / Parcel Number

Primary APN	`21963-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,234 sqft Living Area
Gross Area	1,508 sqft
1st Floor Area	1,090 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	130 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	274 sqft
Driveway	Driveway
Driveway Area	800 sqft
Porch	Florida Room
Porch Area	444 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	900 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-3736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	COVE TERRACE 3RD ADD LOT 17 BLK A ORB 4792 P 1740
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	A
Legal Lot Number	17
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2004
Census Tract	1900

Owner

Source: Bay County records, as of March 6, 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 Record
Mailing Address	900 E 3RD ST, PANAMA CITY, FL 32401-3736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Apr 16, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 6, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2026 · Amount on Record
Deed Sale	Jan 26, 2026 · Amount on Record
Prior Sale	Jun 8, 2005 · Amount on Record
Deed Document Number	20264594
Deed Book / Page	4995 / 1404
Prior Transfer Date	Apr 12, 2024
Prior Transfer Doc	0047921740
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 26, 2026
Property Address	900 E 3RD ST, PANAMA CITY, FL 32401-3736
Document Number	0049951404
Book / Page	4995 / 1404
Map Reference	MB 7 PG 60
Instrument Date	Jan 23, 2026
Instrument	2026004594
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,953.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1307 CALABRIA RD # RD4A, RD4A, PANAMA CITY, FL 32405-3271

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 3RD ST, PANAMA CITY, FL 32401-3736

Mortgage

Document Number	0049951406
Date	Jan 26, 2026
Instrument	4995/1406

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Apr 16, 2024
Property Address	900 E 3RD ST, PANAMA CITY, FL 32401-3736
Document Number	0047921740
Book / Page	4792 / 1740
Map Reference	MB 7 PG 60
Instrument Date	Apr 12, 2024
Instrument	2024021806
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 E 3RD ST, PANAMA CITY, FL 32401-3736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 3RD ST, PANAMA CITY, FL 32401-3736

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Feb 6, 2024
Property Address	900 E 3RD ST, PANAMA CITY, FL 32401-3736
Document Number	0047710473
Book / Page	4771 / 473
Map Reference	MB 7 PG 60
Instrument Date	Feb 2, 2024
Instrument	2024006586
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 E 3RD ST, PANAMA CITY, FL 32401-3736

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	340 N PALO ALTO AVE, PANAMA CITY BEACH, FL 32401-3787

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		$70,288 (+5.99%)	$209,974 (+22.17%) Land $56,045 Building $153,929
2024	$150.00 (-5%)
2023	$300.00 (+18.58%) Homeowner's exemption Disabled Person's exemption	$66,317 (+3%)	$171,868 (+11%) Land $48,384 Building $123,484
2022	$253.00 Homeowner's exemption Disabled Person's exemption	$64,385	$154,840 Land $42,013 Building $112,827

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
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 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 5 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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