Bay County property record for 2805 E 4th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,692 sqft · built 1950 |
| Lot Size | 0.439 acres (19,166 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $48,000 (Dec 2010) |
| Tax Bill | $549 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23299-000-000 |
| Primary APN | 23299-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,692 sqft Heated Area |
| Gross Area | 1,952 sqft |
| 1st Floor Area | 1,692 sqft |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Exterior Material | Metal |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.439 acres) |
| Lot Dimensions | 156 ft deep x 123 ft wide |
| Porch | Porch |
| Porch Area | 530 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2805 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | 11 4S 14W -287- 118C2 COM AT NW COR OF SEC TH S 1863.57' E 351.91' FOR POB TH |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 1800 |
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 | 2805 E 4TH ST, PANAMA CITY, FL 32401-5449 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2010 · Amount on Record |
| Deed Sale | Dec 14, 2010 · Amount on Record |
| Prior Sale | Apr 17, 2000 · Amount on Record |
| Deed Document Number | 2010065111 |
| Deed Book / Page | 3289 / 1941 |
| 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 | $549.00 (-18.67%) Homeowner's exemption | $76,822 (+2.9%) | $101,045 (+8.38%) Land $48,450 Building $52,595 |
| 2024 | $675.00 (-5.46%) Homeowner's exemption | $74,657 (+3%) | $93,229 (+11.41%) Land $43,356 Building $49,873 |
| 2023 | $714.00 (-7.15%) Homeowner's exemption | $72,483 (+3%) | $83,682 (+13.72%) Land $33,169 Building $50,513 |
| 2022 | $769.00 Homeowner's exemption | $70,372 | $73,586 Land $27,330 Building $46,256 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 | Direct burnable vegetation |
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 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 |
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