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

Bay County property record for 102 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Retail Store
Details	6,400 sqft · built 1946
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Last Sale	$755,000 (Sep 2023)
Tax Bill	$12,066 (2025)
Deeds & Mortgages	Sep 2023 Sale & Line of Credit Mar 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19626-000-000`

Property Details

APN / Parcel Number

Primary APN	`19626-000-000`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	6,400 sqft Gross Area
1st Floor Area	6,400 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Other
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	102 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3109
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC10
Legal Description	GCD PLAT W1/2 LOTS 1,2,3 BLK 9 ORB 4735 P 1723 MAP 92D1
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GCD PLAT
Legal Block	9
Legal Lot Number	1,2,3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1085
Census Tract	2000

Owner

Source: Bay County records, as of September 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	6 E 4TH ST, PANAMA CITY, FL 32401-3107
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Warranty Deed, Transfer · Line of Credit INNOVATIONS FINANCIAL CU
Mar 31, 2020	Loan Modification, Mortgage TRUSTMARK NAT'L BK
Nov 22, 2019	Loan Modification, Mortgage TRUSTMARK NAT'L BK
Jun 26, 2019	Loan Modification, Mortgage NOT AVAILABLE
Feb 27, 2019	Loan Modification, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	202361912
Deed Book / Page	4735 / 1723
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 29, 2023
Property Address	102 E 4TH ST, PANAMA CITY, FL 32401-3109
Document Number	0047351723
Book / Page	4735 / 1723
Map Reference	MB 4 PG 9
Instrument Date	Sep 28, 2023
Instrument	2023061912
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4338 PINE TREE LN, LYNN HAVEN, FL 32444-4415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 E 4TH ST, PANAMA CITY, FL 32401-3107

Mortgage

Document Number	0047351726
Date	Sep 29, 2023
Instrument	4735/1726

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2038

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	102 E 4TH ST, PANAMA CITY, FL 32401-3109
Document Number	0042450424
Instrument Date	Mar 31, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	102 E 4TH ST PANAMA CITY FL 324013109, PANAMA CITY, FL 32401-3109

Mortgage

Document Number	0042450424
Date	Apr 22, 2020
Book Page	004245/000424
Instrument	27518

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY, FL 32401

Agreement

Term	60 Months
Due	Apr 21, 2025

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	102 E 4TH ST, PANAMA CITY, FL 32401-3109
Document Number	0042002125
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	102 E 4TH ST PANAMA CITY BEACH FL 324013109, PANAMA CITY BEACH, FL 32401-3109

Mortgage

Document Number	0042002125
Date	Dec 12, 2019
Book Page	004200/002125
Instrument	105732

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY BEACH, FL 32401

Agreement

Term	12 Months
Due	Dec 11, 2020

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	102 E 4TH ST, PANAMA CITY, FL 32401-3109
Document Number	0041422330
Instrument Date	Jun 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	102 E 4TH ST PANAMA CITY FL 324013109, PANAMA CITY, FL 32401-3109

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	102 E 4TH ST, PANAMA CITY, FL 32401-3109
Document Number	0040992120
Instrument Date	Feb 27, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	102 E 4TH ST PANAMA CITY BEACH FL 324013109, PANAMA CITY BEACH, FL 32401-3109

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	$12,066.00 (-8.08%)	$642,037 (+147.14%) Land $111,360 Building $530,677	$642,037 (+147.14%) Land $111,360 Building $530,677
2024	$13,127.00 (+144.45%)
2023	$5,370.00 (+11.85%)	$259,787 (+3.43%) Land $111,360 Building $148,427	$259,787 (+3.43%) Land $111,360 Building $148,427
2022	$4,801.00	$251,174 Land $96,000 Building $155,174	$251,174 Land $96,000 Building $155,174

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 47 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	93 (1984–2020)
Claims Outside the SFHA	64 of 93
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 23 claims Hurricane Dennis, Jul 2005 · 6 claims Hurricane Opal, Oct 1995 · 39 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 261 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	1,000 / 75
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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