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

Bay County property record for 902 E 3rd St, Panama City, FL 32401 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,206 sqft · built 1953
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Oct 2008)
Tax Bill	$821 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21962-000-000`

Property Details

APN / Parcel Number

Primary APN	`21962-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,206 sqft Living Area
Gross Area	1,506 sqft
1st Floor Area	1,206 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1983
Exterior Material	Brick
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	300 sqft
Driveway	Driveway

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	42 sqft
Deck Area	Deck Area
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	902 E 3RD ST
City	PANAMA CITY
State	FL
Zip	32401-3736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVE TERRACE 3RD ADD. LOT 16 BLK A ORB 3096 P 231
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	COVE TERRACE 3RD ADD
Legal Block	A
Legal Lot Number	16
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2004
Census Tract	1900

Owner

Source: Bay County records · APN 21962-000-000

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	902 E 3RD ST, PANAMA CITY, FL 32401-3736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 14, 2008 · Amount on Record
Deed Sale	Oct 14, 2008 · Amount on Record
Deed Document Number	200864085
Deed Book / Page	3096 / 231
Prior Transfer Date	Oct 03, 2008
Prior Transfer Doc	0030960230
Record Updated	Jun 08, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	902 E 3RD ST, PANAMA CITY, FL 32401-3736
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 E 3RD ST, PANAMA CITY, FL 32401-3736

Mortgage

Document Number	0047792157
Date	Mar 06, 2024
Book Page	4779/2157
Instrument	2024012609

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 01, 2034

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	$821.00 (-12.19%) Homeowner's exemption	$94,046 (+17.38%)	$150,743 (+41.73%) Land $56,045 Building $94,698
2024	$935.00 (+14.02%)
2023	$820.00 (-3.07%) Homeowner's exemption	$80,123 (+3%)	$106,356 (+12.3%) Land $48,384 Building $57,972
2022	$846.00 Homeowner's exemption	$77,789	$94,705 Land $42,013 Building $52,692

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 120050019002, 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
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 16 of 18 on primary residences
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2020, other causes, Hurricane Sally
Flood Events	Hurricane Michael (Oct 2018), 5 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.