4002 E 10th St, Panama City, FL 32404 Property Records

Bay County property record for 4002 E 10th St, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1977
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Oct 2025)
Tax Bill	$1,868 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15178-665-000`

Property Details

APN / Parcel Number

Primary APN	`15178-665-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	1,352 sqft
1st Floor Area	1,040 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wood

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	312 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4002 E 10TH ST
City	PANAMA CITY
State	FL
Zip	32404-9418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNE & COUNTRY LAKE ESTS 1ST ADD LOT 10 ORB 2889 P 1035
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	TOWNE & COUNTRY LAKE ESTS 1ST ADD
Legal Lot Number	10
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2000
Census Tract	1100

Owner

4002 E 10th St is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4002 E 10TH ST, PANAMA CITY, FL 32404-9418
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
Feb 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 30, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2025 · Amount on File
Deed Sale	Oct 30, 2025 · Amount on File
Prior Sale	Feb 20, 2007 · Amount on File
Deed Document Number	202563282
Deed Book / Page	4968 / 1226
Prior Transfer Date	Jul 20, 2006
Prior Transfer Doc	0028891035
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	4002 E 10TH ST, PANAMA CITY, FL 32404-9418
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 140085, SALCHA, AK 99714-0085

Mortgage

Document Number	0046540116
Date	Feb 3, 2023
Book Page	4654/116
Instrument	2023006660

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 30, 2025
Property Address	4002 E 10TH ST, PANAMA CITY, FL 32404-9418
Document Number	0049681226
Book / Page	4968 / 1226
Map Reference	MB 12 PG 16
Instrument Date	Oct 17, 2025
Instrument	2025063282
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 140085, SALCHA, AK 99714-0085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4002 E 10TH ST, PANAMA CITY, FL 32404-9418

Mortgage

Document Number	0049681228
Date	Oct 30, 2025
Instrument	4968/1228

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0049681249
Date	Oct 30, 2025
Book Page	4968/1249
Instrument	2025063284

Lender

Name	BAY COUNTY BOARD OF COUNTY COMMISSIONERS
Type	Government Agency
Address	PANAMA CITY, FL 32401

Agreement

Amount	Amount on Record

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	4002 E 10TH ST, PANAMA CITY, FL 32404-9418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039720645
Date	Jan 18, 2018
Book Page	3972/0645
Instrument	2018003320

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	230 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 4002 E 10th St was $1,868, down 0.3% 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	$1,868.00 (-0.32%)	$101,629 (-26.59%)	$149,691 (+8.13%) Land $40,500 Building $109,191
2024	$1,874.00 (+87.59%)	$138,441 (+156.75%) Land $35,644 Building $102,797	$138,441 (+156.75%) Land $35,644 Building $102,797
2023	$999.00 (+18.09%)	$53,920 (+15.87%) Land $30,270 Building $23,650	$53,920 (+15.87%) Land $30,270 Building $23,650
2022	$846.00	$46,533 Land $24,800 Building $21,733	$46,533 Land $24,800 Building $21,733

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

Flood

FEMA maps place 4002 E 10th 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
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 4002 E 10th St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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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