Bay County property record for 3805 E 4th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 2022 |
| Lot Size | 0.194 acres (8,494 sqft) |
| Owner | Individual Name on File |
| Last Sale | $231,000 (Jul 2022) |
| Tax Bill | $2,645 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Nov 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 23559-000-000 |
| Primary APN | 23559-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,196 sqft Heated Area |
| Gross Area | 1,260 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,494 sqft (0.194 acres) |
| Lot Dimensions | 125 ft deep x 68 ft wide |
| Driveway | Driveway |
| Driveway Area | 368 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3805 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRINGFIELD HTS REPLAT LOT 5 BLK 3 ORB 4585 P 1194 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | SPRINGFIELD |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1000 |
3805 E 4th St is owned and occupied by an individual who bought it in July 2022.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4080 DANCING CLOUD CT UNIT 234, 234, DESTIN, FL 32541-3392 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 6, 2019 | Tax Deed, Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2022 · Amount on File |
| Deed Sale | Jul 7, 2022 · Amount on File |
| Prior Sale | Jun 22, 2020 · Amount on File |
| Deed Document Number | 2022050818 |
| Deed Book / Page | 4585 / 1194 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 7, 2022 |
| Property Address | 3805 E 4TH ST, PANAMA CITY, FL 32401-5511 |
| Document Number | 0045851194 |
| Book / Page | 4585 / 1194 |
| Map Reference | MB 9 PG 67 |
| Instrument Date | Feb 11, 2022 |
| Instrument | 2022050818 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,617.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1001 PADDOCK CLUB DR, PANAMA CITY BEACH, FL 32407-2481 |
| Name | Verified Name |
|---|---|
| Address | 3805 E 4TH ST, PANAMA CITY, FL 32401-5511 |
| Document Number | 0045851196 |
|---|---|
| Date | Jul 7, 2022 |
| Instrument | 4585/1196 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Mar 1, 2052 |
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 6, 2019 |
| Property Address | 3805 E 4TH ST, PANAMA CITY, FL 32401-5511 |
| Document Number | 0041880150 |
| Book / Page | 004188 / 000150 |
| Instrument Date | Nov 6, 2019 |
| Instrument | 96546 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 20, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $24.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3000 LONGWOOD CIR PANAMA CITY FL 324053837, PANAMA CITY, FL 32405-3837 |
The 2025 property tax bill for 3805 E 4th St was $2,645 with a homeowner's exemption, down 22.6% from the year before.
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 | $2,645.00 (-22.64%) Homeowner's exemption | $208,910 (+6.04%) Land $19,176 Building $189,734 | $208,910 (+6.04%) Land $19,176 Building $189,734 |
| 2024 | $3,419.00 (+5.82%) | $197,015 (+2.22%) Land $17,066 Building $179,949 | $197,015 (+2.22%) Land $17,066 Building $179,949 |
| 2023 | $3,231.00 (+912.85%) | $192,733 (+1,575.21%) Land $12,784 Building $179,949 | $192,733 (+1,575.21%) Land $12,784 Building $179,949 |
| 2022 | $319.00 | $11,505 Land $11,505 | $11,505 Land $11,505 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3805 E 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 3805 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 | None beyond 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 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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