4002 E 11th St, Apt E, Panama City, FL 32404 Property Records

Bay County property record for 4002 E 11th St, Apt E, Panama City, FL 32404

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,696 sqft · built 1976
Lot Size	0.151 acres (6,578 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jan 2024)
Tax Bill	$3,497 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jul 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14979-066-000`

Property Details

APN / Parcel Number

Primary APN	`14979-066-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,696 sqft Heated Area
1st Floor Area	1,696 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,578 sqft (0.151 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4002 E 11TH ST APT E, E
City	PANAMA CITY
State	FL
Zip	32404-5962
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	1-4S-14W-61.54- BEG 952.66' W OF INT S R/W 11TH ST & W R/W 22A TH S 132' W 50' N
Legal Range	14W
Legal Township	04S
Legal Section	01
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2000
Census Tract	1100

Owner

4002 E 11th St, Apt E is owned by two individuals who bought it in January 2024.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1314 ARKANSAS AVE, LYNN HAVEN, FL 32444-2726
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
Jan 17, 2024	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jul 23, 2020	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC
Dec 6, 2019	Warranty Deed, Transfer · Conventional Mortgage BETTY C LIFORD

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 17, 2024 · Amount on File
Deed Sale	Jan 17, 2024 · Amount on File
Prior Sale	Jul 23, 2020 · Amount on File
Deed Document Number	2024002540
Deed Book / Page	4765 / 1406
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 17, 2024
Property Address	4002 E 11TH ST, PANAMA CITY, FL 32404-3502
Document Number	0047651406
Book / Page	4765 / 1406
Instrument Date	Dec 12, 2023
Instrument	2024002540
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 SUNSET DR, EULESS, TX 76040-5240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 ARKANSAS AVE, LYNN HAVEN, FL 32444-2726

Mortgage

Document Number	0047651408
Date	Jan 17, 2024
Instrument	4765/1408

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 23, 2020
Property Address	4002 E 11TH ST, PANAMA CITY, FL 32404-3502
Document Number	0042771996
Book / Page	004277 / 001996
Instrument Date	Jul 21, 2020
Instrument	47963
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 SUNSET DR EULESS TX 760405240, EULESS, TX 76040-5240

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 6, 2019
Property Address	4002 E 11TH ST, PANAMA CITY, FL 32404-3502
Document Number	0041981434
Book / Page	004198 / 001434
Instrument Date	Dec 6, 2019
Instrument	104091
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6019 MARY ED DR DONALSONVILLE GA 398456129, DONALSONVILLE, GA 39845-6129

Mortgage

Document Number	41981436
Date	Dec 6, 2019
Book Page	004198/001436
Instrument	104092

Lender

Name	BETTY C LIFORD
Address	112 HOMBRE CIR, PANAMA CITY BEACH, FL 32407-2469
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Dec 5, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 4002 E 11th St, Apt E was $3,497, up 4.8% from the year before.

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

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	$3,497.00 (+4.79%)	$221,801 (+10.93%) Land $16,320 Building $205,481	$221,801 (+10.93%) Land $16,320 Building $205,481
2024	$3,337.00 (+315.05%)	$199,946 (+405.07%) Land $14,400 Building $185,546	$199,946 (+405.07%) Land $14,400 Building $185,546
2023	$804.00 (+8.36%)	$39,588 (+3.98%) Land $10,560 Building $29,028	$39,588 (+3.98%) Land $10,560 Building $29,028
2022	$742.00	$38,072 Land $9,120 Building $28,952	$38,072 Land $9,120 Building $28,952

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 11th St, Apt E 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 11th St, Apt E 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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