4001 E 7th Ct, Panama City, FL 32404 Property Records

Bay County property record for 4001 E 7th Ct, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 901 sqft · built 1994
Lot Size	0.174 acres (7,579 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jan 2020)
Tax Bill	$1,459 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15178-765-000`

Property Details

APN / Parcel Number

Primary APN	`15178-765-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	901 sqft Living Area
Gross Area	1,154 sqft
1st Floor Area	901 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,579 sqft (0.174 acres)
Lot Dimensions	115 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	253 sqft
Driveway	Driveway
Driveway Area	520 sqft
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4001 E 7TH CT
City	PANAMA CITY
State	FL
Zip	32404-5921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNE & COUNTRY LAKE ESTS 1ST ADD LOT 30 ORB 4208 P 558
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	TOWNE & COUNTRY LAKE ESTS 1ST ADD
Legal Lot Number	30
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2000
Census Tract	1100

Owner

4001 E 7th Ct is owned and occupied by an individual who bought it in January 2020.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	4001 E 7TH CT, PANAMA CITY, FL 32404-5921
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage SUSAN COWNIE
Jan 6, 2020	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2020 · Amount on File
Deed Sale	Jan 6, 2020 · Amount on File
Prior Sale	Jun 25, 2019 · Amount on File
Deed Document Number	2020893
Deed Book / Page	4208 / 558
Prior Transfer Date	May 7, 2002
Prior Transfer Doc	0021410131
Record Updated	Sep 20, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 25, 2019
Property Address	4001 E 7TH CT, PANAMA CITY, FL 32404-5921
Document Number	0041371837
Book / Page	004137 / 001837
Instrument Date	Jun 21, 2019
Instrument	58584
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1210 W UNIVERSITY AVE LAFAYETTE LA 705063465, LAFAYETTE, LA 70506-3465

Mortgage

Document Number	41371839
Date	Jun 25, 2019
Book Page	004137/001839
Instrument	58585

Lender

Name	SUSAN COWNIE
Address	EAST AMHERST, NY 14051

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	41371843,
Date	Jun 25, 2019
Book Page	004137/001843
Instrument	58586

Lender

Name	RICHARD & SUSAN COWNIE
Address	EAST AMHERST, NY 14051

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 24, 2020

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 6, 2020
Property Address	4001 E 7TH CT, PANAMA CITY, FL 32404-5921
Document Number	0042080558
Book / Page	4208 / 558
Map Reference	MB 12 PG 16
Instrument Date	Dec 27, 2017
Instrument	2020000893
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1210 W UNIVERSITY AVE, 1210, LAFAYETTE, LA 70506-3465

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4001 E 7TH CT, PANAMA CITY, FL 32404-5921

Mortgage

Document Number	0042080561
Date	Jan 6, 2020
Instrument	4208/0561

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4001 E 7th Ct was $1,459 with a homeowner's exemption, down 11.1% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,459.00 (-11.14%) Homeowner's exemption	$134,117	$152,456 Land $40,500 Building $111,956
2024	$1,642.00 (+3.08%)
2023	$1,593.00 (+9.11%) Homeowner's exemption	$126,541 (+3%)	$137,725 (+10.98%) Land $30,270 Building $107,455
2022	$1,460.00 Homeowner's exemption	$122,855	$124,095 Land $24,800 Building $99,295

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4001 E 7th Ct 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1991–2021)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims

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

Wildfire risk around 4001 E 7th Ct is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: WOW Internet, Cable & Phone.

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