Bay County property record for 2812 E 4th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 608 sqft · built 1930 |
| Lot Size | 0.113 acres (4,922 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $37,500 (Apr 2016) |
| Tax Bill | $145 (2025) |
| Deeds & Mortgages | Jun 2019 Transfer Aug 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 23298-040-000 |
| Primary APN | 23298-040-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 608 sqft Living Area |
| 1st Floor Area | 608 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 4,922 sqft (0.113 acres) |
| Lot Dimensions | 84 ft deep x 59 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 140 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2812 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | 11 4S 14W -286.4- 118C2 COMM AT SE COR OF NW1/4 OF SW 1/4 OF NW1/4 TH W 175, N 70 FOR POB TH W 58.99, N 84.15, E 58.50, S 84.17 TO POB ORB 4133 P 1541 |
| 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 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2812 E 4TH ST, PANAMA CITY, FL 32401-5450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 12, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Aug 6, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2016 · Amount on Record |
| Deed Sale | Apr 27, 2016 · Amount on Record |
| Prior Sale | Apr 5, 2016 |
| Deed Document Number | 201621664 |
| Deed Book / Page | 3790 / 1651 |
| Last Transfer Date | Jan 21, 2025 |
| Transfer Doc | 0048780309 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 12, 2019 |
| Property Address | 2812 E 4TH ST, PANAMA CITY, FL 32401-5450 |
| Document Number | 0041331541 |
| Book / Page | 004133 / 001541 |
| Instrument Date | Jun 12, 2019 |
| Instrument | 55164 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2812 E 4TH ST PANAMA CITY BEACH FL 324015450, PANAMA CITY BEACH, FL 32401-5450 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 6, 2018 |
| Property Address | 2812 E 4TH ST, PANAMA CITY, FL 32401-5450 |
| Document Number | 0040351883 |
| Book / Page | 004035 / 001883 |
| Instrument Date | Aug 2, 2018 |
| Instrument | 47213 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2812 E 4TH ST PANAMA CITY FL 324015450, PANAMA CITY, FL 32401-5450 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $145.00 (-48.03%) Homeowner's exemption | $34,191 (+2.9%) | $55,919 (+7.26%) Land $18,178 Building $37,741 |
| 2024 | $279.00 (+4.49%) Homeowner's exemption | $33,227 (+3%) | $52,136 (+6.5%) Land $16,266 Building $35,870 |
| 2023 | $267.00 (-14.15%) Homeowner's exemption | $32,259 (+8.58%) | $48,952 (+57.28%) Land $12,444 Building $36,508 |
| 2022 | $311.00 Homeowner's exemption | $29,710 | $31,125 Land $10,254 Building $20,871 |
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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