1000 E 4th St, Panama City, FL 32401 Property Records

Bay County property record for 1000 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,978 sqft · built 2023
Lot Size	0.118 acres (5,140 sqft)
Owner	2 Individual Names on File
Last Sale	$399,900 (Jul 2026)
Tax Bill	$6,098 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21229-050-000`

Property Details

APN / Parcel Number

Primary APN	`21229-050-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,978 sqft Living Area
Gross Area	2,348 sqft
1st Floor Area	876 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,140 sqft (0.118 acres)
Lot Dimensions	69 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	370 sqft
Driveway	Driveway
Driveway Area	360 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1000 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	SUDDUTH 4TH ADD BEGIN AT NW COR OF LOT 12 TH NELY 70.70 S 47.30 W 68.99 N 32.54 TO POB BLK 60 BEING PART OF LOTS 12 & 13 AND SUDDUTHS 4TH ADD BEG 32.54 S OF NW COR LOT 12 TH E 68.99 S 31.6 W 69.39 N 38.62 TO POB BLK 60 ORB 4816 P 1958
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 4TH ADD
Legal Block	60
Legal Lot Number	12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4014
Census Tract	1900

Owner

1000 E 4th St is owned and occupied by two individuals who bought it in July 2026.

Source: Bay County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1000 E 4TH ST, PANAMA CITY, FL 32401-3784
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE
Feb 23, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 21, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on File
Deed Sale	Jul 27, 2026 · Amount on File
Prior Sale	Jun 28, 2024 · Amount on File
Deed Document Number	202645461
Deed Book / Page	5060 / 1663
Prior Transfer Date	May 5, 2011
Prior Transfer Doc	0033231038
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 27, 2026
Property Address	1000 E 4TH ST, PANAMA CITY, FL 32401-3784
Document Number	0000045461
Book / Page	5060 / 1663
Instrument Date	Jul 16, 2026
Instrument	202645461
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	BLUE TITLE LLC, BLUE MARLIN TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282,729.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 E 4TH ST, PANAMA CITY, FL 32401-3784

Mortgage

Document Number	0000045462,
Date	Jul 27, 2026
Instrument	202645462

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 23, 2023
Property Address	1000 E 4TH ST, PANAMA CITY, FL 32401-3784
Document Number	0046591791
Book / Page	4659 / 1791
Instrument Date	Feb 15, 2023
Instrument	2023010688
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$227.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6784 HALEY DR, MOBILE, AL 36618-4904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2542 ARON DR S, SEAFORD, NY 11783-3517

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 21, 2020
Property Address	356 N BONITA AVE, PANAMA CITY, FL 32401-3781
Document Number	0042532174
Book / Page	004253 / 002174
Instrument Date	May 20, 2020
Instrument	33121
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$140.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6784 HALEY DR MOBILE AL 366184904, MOBILE, AL 36618-4904

Tax Assessment & Valuation

The 2025 property tax bill for 1000 E 4th St was $6,098, up 0.7% from the year before.

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	$6,098.00 (+0.73%)	$367,108 Land $37,530 Building $329,578	$367,108 Land $37,530 Building $329,578
2024	$6,054.00 (+727.05%)
2023	$732.00 (+66.36%)	$33,900 (+118.65%) Land $32,400 Building $1,500	$33,900 (+118.65%) Land $32,400 Building $1,500
2022	$440.00	$15,504 Land $15,004 Building $500	$15,504 Land $15,004 Building $500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1000 E 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	14 (1985–2021)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Sep 2021 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 7 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

Wildfire risk around 1000 E 4th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
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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