Bay County property record for 205 E 4th St, Panama City, FL 32401
| Property Type | Commercial Office |
|---|---|
| Details | 3,121 sqft · built 1961 |
| Lot Size | 0.035 acres (1,525 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $205,200 (Jun 2010) |
| Tax Bill | $885 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19887-000-000 |
| Primary APN | 19887-000-000 |
|---|
| Total Rooms | 6 Rooms |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,121 sqft Total Area |
| 1st Floor Area | 1,560 sqft |
| Interior Walls | Plywood |
| Year Built | Built 1961 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Prestressed Concrete |
| Roof Material | Built-Up Asphalt |
| Lot Area | 1,525 sqft (0.035 acres) |
| Lot Dimensions | 40 ft deep x 39 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 205 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3110 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | PC10 |
| Legal Description | G C D PLAT E 39' OF W 80' LOT 29 BLK 32 ORB 3245 P 770 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | GULF COAST DEV CO |
| Legal Block | 32 |
| Legal Lot Number | 29 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 2000 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 201 E 4TH ST, PANAMA CITY, FL 32401-3110 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2010 · Amount on Record |
| Deed Sale | Jun 7, 2010 · Amount on Record |
| Deed Document Number | 0003245770 |
| Deed Book / Page | 3245 / 770 |
| Last Transfer Date | Jun 8, 2010 |
| Transfer Doc | 0032450770 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $885.00 (-26%) | $47,112 (-0.03%) Land $18,096 Building $29,016 | $47,112 (-0.03%) Land $18,096 Building $29,016 |
| 2024 | $1,196.00 (+5.1%) | $47,124 (-) Land $18,096 Building $29,028 | $47,124 (-) Land $18,096 Building $29,028 |
| 2023 | $1,138.00 (+11.46%) | $47,124 (+5.59%) Land $18,096 Building $29,028 | $47,124 (+5.59%) Land $18,096 Building $29,028 |
| 2022 | $1,021.00 | $44,628 Land $15,600 Building $29,028 | $44,628 Land $15,600 Building $29,028 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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 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.
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 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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