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

Bay County property record for 209 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Commercial Office
Details	3,200 sqft · built 1961
Lot Size	0.036 acres (1,568 sqft)
Owner	Company Name on Record
Last Sale	$240,000 (Feb 2019)
Tax Bill	$1,090 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19885-000-000`

Property Details

APN / Parcel Number

Primary APN	`19885-000-000`

Interior

Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,200 sqft Gross Area
1st Floor Area	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1970
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Sawtooth
Roof Material	Built-Up Asphalt
Lot Area	1,568 sqft (0.036 acres)
Lot Dimensions	40 ft deep x 40 ft wide
Porch	Florida Room
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	209 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	GCD PLAT W 40 OF E 60 LOT 29 BLK 32 ORB 4085 P 2196 MAP 92D1
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GCD PLAT
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

Owner

Source: Bay County records, as of March 26, 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	314 MAGNOLIA AVE, PANAMA CITY, FL 32401-3125
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2019 · Amount on Record
Deed Sale	Feb 1, 2019 · Amount on Record
Deed Document Number	201912857
Deed Book / Page	4085 / 2196
Record Updated	Oct 29, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 1, 2019
Property Address	209 E 4TH ST, PANAMA CITY, FL 32401-3110
Document Number	0040852196
Book / Page	4085 / 2196
Map Reference	MB 4 PG 11
Instrument Date	Jan 31, 2019
Instrument	2019012857
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6368 CAPE SAN BLAS RD, 6368, PORT ST JOE, FL 32456-4315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MAGNOLIA AVE, PANAMA CITY, FL 32401-3125

Mortgage

Document Number	2019012858
Date	Feb 1, 2019
Instrument	2019012858

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Jan 28, 2024

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	$1,090.00 (-22.64%)	$58,033 (-0.01%) Land $18,560 Building $39,473	$58,033 (-0.01%) Land $18,560 Building $39,473
2024	$1,409.00 (+5.94%)
2023	$1,330.00 (+11.3%)	$58,036 (+4.61%) Land $18,560 Building $39,476	$58,036 (+4.61%) Land $18,560 Building $39,476
2022	$1,195.00	$55,476 Land $16,000 Building $39,476	$55,476 Land $16,000 Building $39,476

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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