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

Bay County property record for 18 E 4th St, Panama City, FL 32401

Property Summary

Property TypeCommercial Office
Details2,378 sqft · built 1928
Lot Size0.041 acres (1,785 sqft)
OwnerCompany Name on Record
Last Sale$309,000 (Apr 2024)
Tax Bill$3,931 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN19621-000-000

Property Details

APN / Parcel Number

Primary APN19621-000-000

Interior

Total Rooms3 Rooms
Stories2 Stories
Building Area2,378 sqft Gross Area
1st Floor Area1,189 sqft
FlooringTerrazzo
Interior WallsPlaster

Exterior

Year BuiltBuilt 1928
Effective Year BuiltEffective 2022
Exterior MaterialBrick
Construction TypeWood
Fire ResistanceWood or Wood & Steel Frame
Roof TypeFlat
Roof MaterialBuilt-Up Asphalt
Lot Area1,785 sqft (0.041 acres)
Lot Dimensions35 ft deep x 45 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address18 E 4TH ST
CityPANAMA CITY
StateFL
Zip32401-3107
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Local Zoning CodeGC2
Legal DescriptionG C D PLAT LOTS 4,5 F A BLACK SUBD OF LOT 8 BLK 8 ORB 4794 P 1192
Legal Range14W
Legal Township04S
Legal Section08
Legal SubdivisionG C D PLAT
Legal Block8
Legal Lot Number4,5,8
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1084
Census Tract2000

Owner

Source: Bay County records, as of January 5, 2026

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

Owner of RecordCompany Name on Record
Mailing Address6 E 4TH ST, PANAMA CITY, FL 32401-3107
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 22, 2024 · Amount on Record
Deed SaleApr 22, 2024 · Amount on Record
Prior SaleMay 30, 2008 · Amount on Record
Deed Document Number202423074
Deed Book / Page4794 / 1192
Prior Transfer DateApr 25, 2008
Prior Transfer Doc0030441043
Record UpdatedJun 8, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 22, 2024
Property Address18 E 4TH ST, PANAMA CITY, FL 32401-3107
Document Number0047941192
Book / Page4794 / 1192
Instrument DateApr 19, 2024
Instrument2024023074
Transaction TypeTransfer
Record UpdatedMay 8, 2024
Title CompanyNOT AVAILABLE, BURG TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,163.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address18 E 4TH ST, P C BEACH, FL 32401-3107

Transferred To (Grantee/Buyer)

NameVerified Name
Address6 E 4TH ST, PANAMA CITY, FL 32401-3107

Mortgage

Document Number0047941194
DateApr 22, 2024
Instrument4794/1194
Lender
NameROBERT DOKKEN
TypeSeller
Agreement
TypeSeller Carry-Back
AmountAmount Recorded

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,931.00 (+90.55%)$209,180 (-0.91%) Land $20,984 Building $188,196$209,180 (-0.91%) Land $20,984 Building $188,196
2024$2,063.00 (+85.52%)$211,093 (+343.48%) Land $20,984 Building $190,109$211,093 (+343.48%) Land $20,984 Building $190,109
2023$1,112.00 (+63.29%)$47,599 (+85.25%) Land $20,984 Building $26,615$47,599 (+85.25%) Land $20,984 Building $26,615
2022$681.00$25,694 Land $18,090 Building $7,604$25,694 Land $18,090 Building $7,604

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 47 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies47 in force
Nearby Flood Claims93 (1984–2020)
Claims Outside the SFHA64 of 93
Most Recent ClaimSep 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 RiskNot rated
no burnable land within 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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 229 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: Verizon, WOW Internet, Cable & Phone.

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