Bay County property record for 1004 E 4th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,368 sqft · built 1991 |
| Lot Size | 0.312 acres (13,590 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $883 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21230-001-000 |
| Primary APN | 21230-001-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,368 sqft Living Area |
| 1st Floor Area | 948 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,590 sqft (0.312 acres) |
| Lot Dimensions | 170 ft deep x 80 ft wide |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Porch | Slab |
| Porch Area | 336 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1004 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 | SUDDUTHS 4TH ADD LOT 14 & E 30 LOT 13 BLK 60 ORB 1312 P 804 ORB 1319 P 1632 MAP 105C1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 4TH ADD |
| Legal Block | 60 |
| Legal Lot Number | 14,13 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 1900 |
Source: Bay County records, as of May 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 | 1004 E 4TH ST, PANAMA CITY, FL 32401-3784 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1004 E 4TH ST, PANAMA CITY, FL 32401-3784 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1004 E 4TH ST, PANAMA CITY, FL 32401-3784 |
| Document Number | 0043782098 |
|---|---|
| Date | Mar 19, 2021 |
| Book Page | 4378/2098 |
| Instrument | 2021020210 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Mar 1, 2028 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $883.00 (-11.35%) Homeowner's exemption | $97,992 (+5.99%) | $176,256 (+21.45%) Land $57,824 Building $118,432 |
| 2024 | $996.00 (-7.09%) | ||
| 2023 | $1,072.00 (-0.92%) Homeowner's exemption | $92,456 (+3%) | $145,123 (+11.27%) Land $49,920 Building $95,203 |
| 2022 | $1,082.00 Homeowner's exemption | $89,763 | $130,419 Land $43,347 Building $87,072 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
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: 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.
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 |
| 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.
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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