Bay County property record for 3807 E 4th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 988 sqft · built 2021 |
| Lot Size | 0.194 acres (8,494 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $10,000 (Aug 1991) |
| Tax Bill | $224 (2024) |
| Deeds & Mortgages | Aug 2023 Construction Loan Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23560-000-000 |
| Primary APN | 23560-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 988 sqft Heated Area |
| Gross Area | 1,144 sqft |
| 1st Floor Area | 1,008 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| 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 |
| Porch | Porch |
| Porch Area | 32 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3807 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 6 BLK 3 ORB 1333 P 1365 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | SPRINGFIELD |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1000 |
Source: Bay County records, as of January 23, 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 | 3807 E 4TH ST, PANAMA CITY, FL 32401-5511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2023 | Deed of Trust, Mortgage · Construction Mortgage BAY COUNTY BOARD OF COMMISSIONERS |
| Jul 22, 2022 | Deed of Trust, Mortgage BAY COUNTY BOARD OF COMMISSIONERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 1991 · Amount on Record |
| Deed Sale | Aug 21, 1991 · Amount on Record |
| Deed Document Number | 0013331365 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3807 E 4TH ST, PANAMA CITY, FL 32401-5511 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0047230998 |
|---|---|
| Date | Aug 23, 2023 |
| Book Page | 4723/998 |
| Instrument | 2023053578 |
| Name | BAY COUNTY BOARD OF COMMISSIONERS |
|---|---|
| Type | Government Agency |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3807 E 4TH ST, PANAMA CITY, FL 32401-5511 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045902287 |
|---|---|
| Date | Jul 22, 2022 |
| Book Page | 4590/2287 |
| Instrument | 2022054712 |
| Name | BAY COUNTY BOARD OF COMMISSIONERS |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|
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 | $7,054 (+6%) | $115,493 (+10.18%) Land $19,176 Building $96,317 | |
| 2024 | $224.00 (+2.75%) | ||
| 2023 | $218.00 (+49.32%) Homeowner's exemption | $6,655 (+3%) | $104,826 (+9.77%) Land $12,784 Building $92,042 |
| 2022 | $146.00 Homeowner's exemption | $6,461 | $95,494 Land $11,505 Building $83,989 |
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 |
|---|---|
| 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.
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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