Bay County property record for 3713 E 4th St, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2 bd · 1.5 ba · 560 sqft · built 2000 |
| Lot Size | 0.182 acres (7,971 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Jul 2025) |
| Tax Bill | $336 (2025) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Apr 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 23625-010-000 |
| Primary APN | 23625-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Stories | 1 Story |
| Building Area | 560 sqft |
| 1st Floor Area | 560 sqft |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Vinyl |
| Lot Area | 7,971 sqft (0.182 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3713 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5509 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | E SPRINGFIELD (16.4) W 1/2 LOTS 16 & 17 BLK 1 MAP 118C1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | SPRINGFIELD |
| Legal Block | 1 |
| Legal Lot Number | 16,17 17 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1000 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3713 E 4TH ST, PANAMA CITY, FL 32401-5509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2025 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Apr 4, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2025 · Amount on Record |
| Deed Sale | Jul 1, 2025 · Amount on Record |
| Prior Sale | Mar 30, 2007 · Amount on Record |
| Deed Document Number | 2025036876 |
| Deed Book / Page | 4928 / 653 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 1, 2025 |
| Property Address | 3713 E 4TH ST, PANAMA CITY, FL 32401-5509 |
| Document Number | 0049280653 |
| Book / Page | 4928 / 653 |
| Map Reference | MB 2 PG 18 |
| Instrument Date | Jun 16, 2025 |
| Instrument | 2025036876 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3713 E 4TH ST, PANAMA CITY, FL 32401-5509 |
| Investor | Possibly a Property Investor |
| Document Number | 0004928655 |
|---|---|
| Date | Jul 1, 2025 |
| Instrument | 4928/655 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Document Number | 0049280687 |
|---|---|
| Date | Jul 1, 2025 |
| Book Page | 4928/687 |
| Instrument | 2025036879 |
| Name | BAY COUNTY BOARD OF COUNTY COMMISSIONERS |
|---|---|
| Type | Government Agency |
| Address | PANAMA CITY, FL 32401 |
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 4, 2019 |
| Property Address | 3713 E 4TH ST, PANAMA CITY, FL 32401-5509 |
| Document Number | 0041090086 |
| Book / Page | 004109 / 000086 |
| Instrument Date | Mar 4, 2019 |
| Instrument | 34854 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3712 E 4TH ST PANAMA CITY FL 324015510, PANAMA CITY, FL 32401-5510 |
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 | $336.00 (-19.62%) | $21,243 (+26.45%) Land $20,400 Building $843 | $21,243 (+26.45%) Land $20,400 Building $843 |
| 2023 | $418.00 (+10.58%) | $16,800 (+11.21%) Land $10,780 Building $6,020 | $16,800 (+11.21%) Land $10,780 Building $6,020 |
| 2022 | $378.00 | $15,106 Land $9,702 Building $5,404 | $15,106 Land $9,702 Building $5,404 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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