2405 E 4th St, Panama City, FL 32401 Property Records

Bay County property record for 2405 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 688 sqft · built 1940
Lot Size	0.135 acres (5,880 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (May 2018)
Tax Bill	$66 (2025)
Deeds & Mortgages	May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`22656-010-000`

Property Details

APN / Parcel Number

Primary APN	`22656-010-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	688 sqft Living Area
1st Floor Area	688 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,880 sqft (0.135 acres)
Lot Dimensions	116 ft deep x 51 ft wide
Porch	Screened/Unfinished Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	2405 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-4755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU2
Legal Description	PINECREST ADD BEG AT SW COR OF LOT 11 E 29.26 NLY 113.39 TO N LI OF LOT 9 W 39.87 TO NW COR LOT 9 S 16.19 TO NE COR LOT 8 W 16.87 S 104 TO N R/W OF 4TH E 17.02 TO SE COR LOT 9 BLK 1 WELCH ADD N 7.16 TO POB BEING A PT OF LOTS 9, 10 & 11 BLK J & A PT O
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	PINECREST ADD
Legal Block	J
Legal Lot Number	11,9
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1005
Census Tract	1800

Owner

Source: Bay County records, as of October 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	Individual Name on Record
Mailing Address	2405 E 4TH ST, PANAMA CITY, FL 32401-4755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	Oct 26, 2007 · Amount on Record
Deed Document Number	201830975
Deed Book / Page	4011 / 1655
Record Updated	Oct 29, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 25, 2018
Property Address	2405 E 4TH ST, PANAMA CITY, FL 32401-4755
Document Number	0040111655
Book / Page	004011 / 001655
Instrument Date	May 21, 2018
Instrument	30975
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	CORNERSTONE TITLE INSURANCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 E 4TH ST PANAMA CITY FL 324014755, PANAMA CITY, FL 32401-4755

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	$66.00 (-68.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$44,081 (+5.99%)	$55,288 (+11.89%) Land $17,868 Building $37,420
2024	$210.00 (-6.67%)
2023	$225.00 (-26.47%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$41,591 (+3%)	$49,415 (+15.87%) Land $13,923 Building $35,492
2022	$306.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$40,380	$42,647 Land $10,442 Building $32,205

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 318 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
AT&T Fixed Wireless	100 / 20