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

Bay County property record for 315 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Commercial Office
Details	2,922 sqft · built 1980
Lot Size	0.158 acres (6,926 sqft)
Owner	Company Name on Record
Last Sale	$600,000 (Dec 2021)
Tax Bill	$3,794 (2025)
Deeds & Mortgages	Dec 2021 Sale Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19859-000-000`

Property Details

APN / Parcel Number

Primary APN	`19859-000-000`

Interior

Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,922 sqft Total Area
1st Floor Area	2,326 sqft
2nd Floor Area	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,926 sqft (0.158 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	315 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3003
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC10
Legal Description	GCD PLAT LOT 1 LESS W 100' ALSO BEG AT A PT 100' E OF SW COR OF LOT 2 TH E 80' N 10' W
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GCD PLAT
Legal Block	30
Legal Lot Number	1,2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1050
Census Tract	2000

Owner

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	Company Name on Record
Mailing Address	2800 DAVIS BLVD STE 101, 101, NAPLES, FL 34104-4369
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Warranty Deed, Transfer REALTY TITLE SERVICES NE FL, REALTY TITLE SVCS USA LLC
Jan 13, 2020	Deed of Trust, Mortgage AMERIS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	May 20, 2004 · Amount on Record
Deed Document Number	2021097847
Deed Book / Page	4504 / 334
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 28, 2021
Property Address	315 E 4TH ST, PANAMA CITY, FL 32401-3003
Document Number	0045040334
Book / Page	4504 / 334
Map Reference	MB 4 PG 11
Instrument Date	Dec 23, 2021
Instrument	2021097847
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	REALTY TITLE SERVICES NE FL, REALTY TITLE SVCS USA LLC

Transaction

Amount	Amount Recorded
Tax	$4,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5629 NE 52ND PL, 5629, HIGH SPRINGS, FL 32643-6158

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 DAVIS BLVD STE 101, 101, NAPLES, FL 34104-4369

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	315 E 4TH ST, PANAMA CITY, FL 32401-3003
Document Number	0042180443
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5629 NE 62ND PL HIGH SPRINGS FL 32643, HIGH SPRINGS, FL 32643

Mortgage

Document Number	0042180443
Date	Feb 4, 2020
Book Page	004218/000443
Instrument	8689

Lender

Name	AMERIS BK
Type	Bank
Address	HIGH SPRINGS, FL 32643

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 3, 2035

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$3,794.00 (-13.1%)	$201,880 (-3.36%) Land $80,144 Building $121,736	$201,880 (-3.36%) Land $80,144 Building $121,736
2023	$4,366.00 (+4.28%)	$208,906 (%) Land $80,143 Building $128,763	$208,906 (%) Land $80,143 Building $128,763
2022	$4,187.00	$208,911 Land $78,401 Building $130,510	$208,911 Land $78,401 Building $130,510

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 100 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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