Bay County property record for 3609 E 4th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 985 sqft · built 1944 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $824 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Jul 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23575-000-000 |
| Primary APN | 23575-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 985 sqft Living Area |
| 1st Floor Area | 985 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 3609 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHITING ADD LOT 14 BLK 1 ORB 4747 P 905 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | WHITING ADD |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 1000 |
Source: Bay County records, as of August 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4191 COUNTY ROAD 21, AUBURN, AL 36879-3603 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 8, 2026 |
| Transfer Doc | 0000041804 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 3609 E 4TH ST, PANAMA CITY, FL 32401-5507 |
| Document Number | 0000041761 |
| Book / Page | 5054 / 1653 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202641761 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4191 COUNTY ROAD 21, AUBURN, AL 36879-3603 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 3609 E 4TH ST, PANAMA CITY, FL 32401-5507 |
| Document Number | 0000041805 |
| Book / Page | 5054 / 1864 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202641805 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4191 COUNTY ROAD 21, AUBURN, AL 36879-3603 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 3609 E 4TH ST, PANAMA CITY, FL 32401-5507 |
| Document Number | 0000041804 |
| Book / Page | 5054 / 1862 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202641804 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4191 COUNTY ROAD 21, AUBURN, AL 36879-3603 |
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 | $824.00 (+17.55%) | $41,427 (+17.51%) Land $15,000 Building $26,427 | $41,427 (+17.51%) Land $15,000 Building $26,427 |
| 2023 | $701.00 (+16.25%) | $35,254 (+20.45%) Land $10,000 Building $25,254 | $35,254 (+20.45%) Land $10,000 Building $25,254 |
| 2022 | $603.00 | $29,268 Land $9,000 Building $20,268 | $29,268 Land $9,000 Building $20,268 |
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 | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 258 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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