Bay County property record for 3207 E 4th St, Panama City, FL 32401
| Property Type | Commercial Office |
|---|---|
| Details | 6,284 sqft · built 1966 |
| Lot Size | 1.15 acres (50,225 sqft) |
| Owner | Company Name on Record |
| Last Sale | $235,000 (Mar 2001) |
| Tax Bill | $326 (2024) |
| Deeds & Mortgages | Jan 2020 Line of Credit May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23328-000-000 |
| Primary APN | 23328-000-000 |
|---|
| Total Rooms | 7 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 6,284 sqft Total Area |
| 1st Floor Area | 4,998 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Built-Up Asphalt |
| Lot Area | 50,225 sqft (1.15 acres) |
| Lot Dimensions | 320 ft deep x 157 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3207 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5572 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Legal Description | 11 4S 14W -314.1- 118C2 BEG 617' W & 323' S OF NE COR OF SE1/4 OF NW1/4 OF SEC TH E |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 1000 |
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 | 300 MABRY ST, TALLAHASSEE, FL 32304-3813 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 31, 2020 | Deed of Trust, Construction Loan · Line of Credit CAPITAL CTY BK |
| May 19, 2017 | Grant Deed, Mortgage CAPITAL CTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2001 · Amount on Record |
| Deed Sale | Mar 20, 2001 · Amount on Record |
| Prior Sale | Mar 15, 2001 · Amount on Record |
| Deed Document Number | 2001-013566 |
| Deed Book / Page | 2014 / 0390 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 31, 2020 |
| Property Address | 3207 E 4TH ST, PANAMA CITY, FL 32401-5572 |
| Document Number | 0042170441 |
| Book / Page | 004217 / 000441 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 7962 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 300 MABRY ST TALLAHASSEE FL 323043813, TALLAHASSEE, FL 32304-3813 |
| Document Number | 42170441 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 004217/000441 |
| Instrument | 7962 |
| Name | CAPITAL CTY BK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 19, 2017 |
| Property Address | 3207 E 4TH ST, PANAMA CITY, FL 32401-5572 |
| Document Number | 0039021192 |
| Book / Page | 003902 / 001192 |
| Instrument Date | May 19, 2017 |
| Instrument | 28845 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 300 MABRY ST TALLAHASSEE FL 323043813, TALLAHASSEE, FL 32304-3813 |
| Document Number | 39021192 |
|---|---|
| Date | May 19, 2017 |
| Book Page | 003902/001192 |
| Instrument | 28845 |
| Name | CAPITAL CTY BK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32302 |
| Amount | Amount Recorded |
|---|
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $333,161 (-4.66%) Land $138,360 Building $194,801 | $333,161 (-4.66%) Land $138,360 Building $194,801 | |
| 2024 | $326.00 (-4.12%) | ||
| 2023 | $340.00 Additional exemption filed | $349,427 (-4.45%) Land $138,360 Building $211,067 | $349,427 (-4.45%) Land $138,360 Building $211,067 |
| 2022 | $340.00 Additional exemption filed | $365,694 Land $138,360 Building $227,334 | $365,694 Land $138,360 Building $227,334 |
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 11 (1979–2020) |
| Claims Outside the SFHA | 8 of 11 |
| Most Recent Claim | Nov 2020 · 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 | Not rated no burnable land within ember reach |
|---|
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 | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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