206 4th St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 206 4th St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,380 sqft · built 2022
Lot Size	0.192 acres (8,363 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (May 2026)
Tax Bill	$4,873 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04880-000-000`

Property Details

APN / Parcel Number

Primary APN	`04880-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,363 sqft (0.192 acres)
Lot Dimensions	112 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Porch	Open Porch
Porch Area	166 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	206 4TH ST
City	MEXICO BEACH
State	FL
Zip	32456-0196
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB02
Legal Description	MEXICO BEACH UNIT # 12 LOT 9 BLK 3 ORB 4677 P 1461
Legal Range	12W
Legal Township	06S
Legal Section	25
Legal Subdivision	MEXICO BEACH
Legal Block	3
Legal Lot Number	9
Legal Unit	12
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1079
Census Tract	600

Owner

Source: Bay County records, as of June 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	155 TOWN VILLAGE BLVD, 9105, MEXICO BEACH, FL 32456-7219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 15, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 12, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 28, 2021	Warranty Deed, Transfer SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Apr 12, 2023 · Amount on Record
Deed Document Number	202629639
Deed Book / Page	5035 / 915
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 15, 2026
Property Address	206 4TH ST, MEXICO BEACH, FL 32456-0196
Document Number	0000029639
Book / Page	5035 / 915
Instrument Date	May 6, 2026
Instrument	202629639
Transaction Type	Transfer
Record Updated	Jun 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029640,
Date	May 15, 2026
Instrument	202629640

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 15, 2026
Property Address	206 4TH ST, MEXICO BEACH, FL 32456-0196
Document Number	0050350915
Book / Page	5035 / 915
Instrument Date	May 6, 2026
Instrument	202629639
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029640,
Date	May 15, 2026
Instrument	202629640

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 12, 2023
Property Address	206 4TH ST, MEXICO BEACH, FL 32456-0196
Document Number	0046771461
Book / Page	4677 / 1461
Map Reference	MB 10 PG 49
Instrument Date	Apr 3, 2023
Instrument	2023022197
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4425 LAFAYETTE ST, MARIANNA, FL 32446-3312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 4TH ST, MEXICO BEACH, FL 32456-0196

Mortgage

Document Number	0046771463
Date	Apr 12, 2023
Instrument	4677/1463

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 28, 2021
Property Address	206 4TH ST, MEXICO BEACH, FL 32456-0196
Document Number	0043980363
Book / Page	4398 / 363
Map Reference	MB 10 PG 49
Instrument Date	Apr 20, 2021
Instrument	2021031735
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Tax	$777.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5321 HEATHER LN, COLLEGE PARK, GA 30349-5831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5194 HIGHWAY 90, MARIANNA, FL 32446-5122
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Mexico Beach City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,873.00 (+0.37%) Homeowner's exemption Widower's exemption	$347,293 (+38.48%)	$396,458 (+58.08%) Land $174,206 Building $222,252
2024	$4,855.00 (+25.26%)
2023	$3,876.00 (+123.66%)	$250,793 (+141.09%) Land $150,693 Building $100,100	$250,793 (+141.09%) Land $150,693 Building $100,100
2022	$1,733.00	$104,025 Land $104,025	$104,025 Land $104,025

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 378 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	693 units insured incl. 315 condo units
Nearby Flood Claims	914 (1985–2024)
Claims Outside the SFHA	547 of 914
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 581 claims Hurricane Dennis, Jul 2005 · 22 claims Hurricane Opal, Oct 1995 · 195 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	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF MEXICO BEACH serves 5,888 people · EPA ID FL1030467
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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