Bay County property record for 3753 E 4th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,320 sqft · built 1998 |
| Lot Size | 0.137 acres (5,967 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $241,000 (Nov 2024) |
| Tax Bill | $3,185 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2024 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23661-010-000 |
| Primary APN | 23661-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,320 sqft Living Area |
| Gross Area | 1,524 sqft |
| 1st Floor Area | 1,320 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,967 sqft (0.137 acres) |
| Lot Dimensions | 80 ft deep x 75 ft wide |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3753 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E SPRINGFIELD E 75 OF LOTS 14 & 15 BLK 3 ORB 4768 P 1005 MAP 118C1 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | E SPRINGFIELD |
| Legal Block | 3 |
| Legal Lot Number | 14,15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1000 |
Source: Bay County records, as of August 18, 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 | 3753 E 4TH ST, PANAMA CITY, FL 32401-5577 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Widow or Widower |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Feb 27, 2024 | Deed of Trust, Mortgage · Construction Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Jan 26, 2024 | Warranty Deed, Transfer CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2024 · Amount on Record |
| Deed Sale | Nov 20, 2024 · Amount on Record |
| Prior Sale | Jan 26, 2024 · Amount on Record |
| Deed Document Number | 202467949 |
| Deed Book / Page | 4861 / 187 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 23, 2026 |
| Property Address | 3753 E 4TH ST, PANAMA CITY, FL 32401-5577 |
| Document Number | 0000044703 |
| Book / Page | 5059 / 1074 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 202644703 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3753 E 4TH ST, PANAMA CITY, FL 32401-5577 |
| Document Number | 0000044703, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 5059/1074 |
| Instrument | 202644703 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3753 E 4TH ST, PANAMA CITY, FL 32401-5577 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 815 PLANTATION WAY, PANAMA CITY, FL 32404-8611 |
| Document Number | 0047770298 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 4777/298 |
| Instrument | 2024010768 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32540 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 26, 2024 |
| Property Address | 3753 E 4TH ST, PANAMA CITY, FL 32401-5577 |
| Document Number | 0047681005 |
| Book / Page | 4768 / 1005 |
| Map Reference | MB 2 PG 18 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 2024004622 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2024 |
| Title Company | CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $139.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 ARLINGTON DR, PANAMA CITY, FL 32404-6208 |
| Name | Verified Name |
|---|---|
| Address | 815 PLANTATION WAY, PANAMA CITY, FL 32404-8611 |
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 | $3,185.00 (+763.14%) | $200,880 (+1,573.86%) Land $17,325 Building $183,555 | $200,880 (+1,573.86%) Land $17,325 Building $183,555 |
| 2024 | $369.00 (+9.17%) | ||
| 2023 | $338.00 (+9.39%) | $12,001 (+10.65%) Land $11,550 Building $451 | $12,001 (+10.65%) Land $11,550 Building $451 |
| 2022 | $309.00 | $10,846 Land $10,395 Building $451 | $10,846 Land $10,395 Building $451 |
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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