3709 E 4th St, Panama City, FL 32401 Property Records

Bay County property record for 3709 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 3 ba · 1,980 sqft · built 1935
Lot Size	0.238 acres (10,367 sqft)
Owner	Trust Name on File
Tax Bill	$1,774 (2025)
Deeds & Mortgages	Apr 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23623-000-000`

Property Details

APN / Parcel Number

Primary APN	`23623-000-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Units	2 Units
Stories	1 Story
Building Area	1,980 sqft Living Area
1st Floor Area	1,980 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1960
Architectural Style	Multi-Family
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,367 sqft (0.238 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	171 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	3709 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-5509
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	E SPRINGFIELD (14.2) 118C1 W 130 OF LOTS 14 & 15 BLK 1 ORB 4675 P 596 MAP 118C1
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	E SPRINGFIELD
Legal Block	1
Legal Lot Number	14,15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1004
Census Tract	1000

Owner

3709 E 4th St, a residential property, is held in a trust since April 2023.

Source: Bay County records, as of January 5, 2026

Owner of Record	Trust Name on File
Mailing Address	1118 COLLEGE BLVD N, LYNN HAVEN, FL 32444-3231
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 4, 2023
Transfer Doc	0046750596
Record Updated	Jun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Apr 4, 2023
Property Address	3709 E 4TH ST, PANAMA CITY, FL 32401-5509
Document Number	0046750596
Book / Page	4675 / 596
Instrument Date	Apr 4, 2023
Instrument	2023020661
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1118 COLLEGE BLVD N, LYNN HAVEN, FL 32444-3231

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 COLLEGE BLVD N, LYNN HAVEN, FL 32444-3231

Tax Assessment & Valuation

The 2025 property tax bill for 3709 E 4th St was $1,774, down 3.1% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,774.00 (-3.11%)	$110,762	$114,071 Land $23,040 Building $91,031
2024	$1,831.00 (+16.33%)
2023	$1,574.00 (+14.72%)	$85,793 (+9.89%) Land $15,360 Building $70,433	$85,793 (+9.89%) Land $15,360 Building $70,433
2022	$1,372.00	$78,074 Land $13,824 Building $64,250	$78,074 Land $13,824 Building $64,250

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3709 E 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2016 · river or lake flooding

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

Wildfire risk around 3709 E 4th St is low, with a 0.02% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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