Bay County property record for 904 E 3rd St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,480 sqft · built 1953 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Jul 2024) |
| Tax Bill | $3,794 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Jul 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21961-000-000 |
| Primary APN | 21961-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,480 sqft Heated Area |
| Gross Area | 2,196 sqft |
| 1st Floor Area | 1,480 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 130 ft deep x 84 ft wide |
| Garage Area | 264 sqft |
| Porch | Porch |
| Porch Area | 452 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 904 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 15 BLK A ORB 4826 P 1046 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | COVE TERRACE |
| Legal Block | A |
| Legal Lot Number | 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 1900 |
Source: Bay County records · APN 21961-000-000
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 904 E 3RD ST, PANAMA CITY, FL 32401-3736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU |
| Jul 27, 2017 | Grant Deed, Transfer OTHER |
| Jul 27, 2017 | Deed in Lieu of Foreclosure, Foreclosure OTHER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2024 · Amount on Record |
| Deed Sale | Jul 31, 2024 · Amount on Record |
| Prior Sale | Mar 24, 2021 · Amount on Record |
| Deed Document Number | 2024045046 |
| Deed Book / Page | 4826 / 1046 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 24, 2021 |
| Property Address | 904 E 3RD ST, PANAMA CITY, FL 32401-3736 |
| Document Number | 0043802028 |
| Book / Page | 4380 / 2028 |
| Map Reference | MB 7 PG 60 |
| Instrument Date | Feb 02, 2021 |
| Instrument | 2021021410 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | PARAMOUNT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3701 REGENT BLVD, 3701, IRVING, TX 75063-2312 |
| Name | Verified Name |
|---|---|
| Address | 904 E 3RD ST, PANAMA CITY, FL 32401-3736 |
| Document Number | 0043802035 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 4380/2035 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 27, 2017 |
| Property Address | 904 E 3RD ST, PANAMA CITY, FL 32401-3736 |
| Document Number | 0039211561 |
| Book / Page | 003921 / 001561 |
| Instrument Date | Jul 18, 2017 |
| Instrument | 42168 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $578.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500 |
| Investor | Possibly a Property Investor |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 27, 2017 |
| Property Address | 904 E 3RD ST, PANAMA CITY, FL 32401-3736 |
| Document Number | 0039211563 |
| Book / Page | 003921 / 001563 |
| Instrument Date | Jul 18, 2017 |
| Instrument | 42169 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 04, 2017 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 904 E 3RD ST PANAMA CITY BEACH FL 324013736, PANAMA CITY BEACH, FL 32401-3736 |
| Investor | Possibly a Property Investor |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,794.00 (+65.39%) | $240,233 (+90.97%) Land $56,045 Building $184,188 | $240,233 (+90.97%) Land $56,045 Building $184,188 |
| 2023 | $2,294.00 (+14.59%) | $125,794 (+12%) Land $48,384 Building $77,410 | $125,794 (+12%) Land $48,384 Building $77,410 |
| 2022 | $2,002.00 | $112,318 Land $42,013 Building $70,305 | $112,318 Land $42,013 Building $70,305 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 437 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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