1903 E 4th St, Panama City, FL 32401 Property Records

Bay County property record for 1903 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 823 sqft · built 1940
Lot Size	0.133 acres (5,837 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Mar 2022)
Tax Bill	$888 (2025)
Deeds & Mortgages	Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`22365-000-000`

Property Details

APN / Parcel Number

Primary APN	`22365-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	823 sqft Heated Area
Gross Area	921 sqft
1st Floor Area	823 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1950
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	5,837 sqft (0.133 acres)
Lot Dimensions	75 ft deep x 78 ft wide

Exterior Amenities

Porch	Porch
Porch Area	154 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1903 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-4745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKRIDGE ADD EAST 78' LOT LOT 15 ORB 4541 P 1977
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	OAKRIDGE ADD
Legal Lot Number	15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1010
Census Tract	1800

Owner

1903 E 4th St is owned and occupied by an individual who bought it in March 2022.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1903 E 4TH ST, PANAMA CITY, FL 32401-4745
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2022 · Amount on File
Deed Sale	Mar 25, 2022 · Amount on File
Prior Sale	Dec 11, 2001
Deed Document Number	2022022337
Deed Book / Page	4541 / 1977
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 25, 2022
Property Address	1903 E 4TH ST, PANAMA CITY, FL 32401-4745
Document Number	0045411977
Book / Page	4541 / 1977
Map Reference	MB 2 PG 48
Instrument Date	Mar 24, 2022
Instrument	2022022337
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount on Record
Tax	$385.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 CAMELLIA AVE, 418, PANAMA CITY, FL 32404-6001

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1903 E 4TH ST, PANAMA CITY, FL 32401-4745

Tax Assessment & Valuation

The 2025 property tax bill for 1903 E 4th St was $888.

Source: Bay County assessment roll, as of July 1, 2025

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	$888.00	$56,605 Land $22,222 Building $34,383	$56,605 Land $22,222 Building $34,383
2023	$1,008.00 (+95.35%)	$50,088 (+152.13%) Land $17,316 Building $32,772	$50,088 (+152.13%) Land $17,316 Building $32,772
2022	$516.00	$19,866 Land $12,987 Building $6,879	$19,866 Land $12,987 Building $6,879

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 1903 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 19 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 units insured incl. 28 condo units
Nearby Flood Claims	19 (1979–2021)
Claims Outside the SFHA	13 of 19
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 6 claims Hurricane Opal, Oct 1995 · 3 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 1903 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 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 218 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	300 / 20