Bay County property record for 3539 E 4th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,240 sqft · built 2023 |
| Lot Size | 0.236 acres (10,280 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $353 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23608-000-000 |
| Primary APN | 23608-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,240 sqft Living Area |
| 1st Floor Area | 1,240 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,280 sqft (0.236 acres) |
| Lot Dimensions | 103 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 260 sqft |
| Carport | Carport |
| Carport Area | 260 sqft |
| Driveway | Driveway |
| Driveway Area | 192 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 782 sqft |
| Deck Area | 200 sqft |
| Patio Area | 268 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3539 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5576 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHITING ADD (11.1) LOTS 11,12 LESS E 75 BLK 4 ORB 3432 P 127 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | WHITING ADD |
| Legal Block | 4 |
| Legal Lot Number | 11,12 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1000 |
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 | 3539 E 4TH ST, PANAMA CITY, FL 32401-5576 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2012 |
| Deed Sale | Jul 17, 2012 |
| Deed Document Number | 201238432 |
| Deed Book / Page | 3425 / 2177 |
| Prior Transfer Date | Jul 9, 2007 |
| Prior Transfer Doc | 0029561676 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $353.00 (-34.14%) Homeowner's exemption Disabled Person's exemption | $56,794 (+15.84%) | $166,077 (+135.64%) Land $26,100 Building $139,977 |
| 2024 | $536.00 (+9.16%) | ||
| 2023 | $491.00 (-5.03%) Homeowner's exemption Disabled Person's exemption | $49,028 (+3%) | $70,478 (+11.02%) Land $17,400 Building $53,078 |
| 2022 | $517.00 Homeowner's exemption Disabled Person's exemption | $47,600 | $63,481 Land $15,660 Building $47,821 |
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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