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3810 E 4th Ct, Panama City, FL 32401 Property Records

Bay County property record for 3810 E 4th Ct, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 840 sqft · built 1965
Lot Size0.219 acres (9,540 sqft)
OwnerIndividual Name on Record
Last Sale$184,000 (May 2022)
Tax Bill$1,802 (2025)
Deeds & MortgagesMay 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN23563-000-000

Property Details

APN / Parcel Number

Primary APN23563-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area840 sqft Heated Area
Gross Area1,104 sqft
1st Floor Area840 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 2015
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area9,540 sqft (0.219 acres)
Lot Dimensions124 ft deep x 77 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3810 E 4TH CT
CityPANAMA CITY
StateFL
Zip32401-5514
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRINGFIELD HTS REPLAT LOT 9 LESS 10' TRI PARCEL FRONTING 4TH CT (9.03) BLK 3
Legal Range14W
Legal Township04S
Legal Section11
Legal SubdivisionSPRINGFIELD
Legal Block3
Legal Lot Number9
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1008
Census Tract1000

Owner

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 RecordIndividual Name on Record
Mailing Address3810 E 4TH CT, PANAMA CITY, FL 32401-5514
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 20, 2022 · Amount on Record
Deed SaleMay 20, 2022 · Amount on Record
Deed Document Number2022038463
Deed Book / Page4566 / 1825
Record UpdatedJun 8, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMay 20, 2022
Property Address3810 E 4TH CT, PANAMA CITY, FL 32401-5514
Document Number0045661825
Book / Page4566 / 1825
Map ReferenceMB 9 PG 67
Instrument DateMay 13, 2022
Instrument2022038463
Transaction TypeTransfer
Record UpdatedJun 6, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,288.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3810 E 4TH CT, PANAMA CITY, FL 32401-5514

Mortgage

Document Number0045661827
DateMay 20, 2022
Instrument4566/1827
Lender
NameREGIONS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2052

Mortgage

Document Number0045661846
DateMay 20, 2022
Book Page4566/1846
Instrument2022038465
Lender
NameCOUNTY OF BAY
TypeGovernment Agency
AddressPANAMA CITY, FL 32401
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalitySpringfield City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,802.00 (-9.31%) Homeowner's exemption$155,696 (+1.79%) Land $21,714 Building $133,982$155,696 (+1.79%) Land $21,714 Building $133,982
2023$1,987.00 (+396.75%) Homeowner's exemption$152,965 (+275.19%) Land $14,476 Building $138,489$152,965 (+95.94%) Land $14,476 Building $138,489
2022$400.00 Homeowner's exemption Disabled Person's exemption$40,770$78,069 Land $13,028 Building $65,041

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2016)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF SPRINGFIELD
serves 8,075 people · EPA ID FL1030148
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionOct 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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