Bay County property record for 405 E 4th St, Panama City, FL 32401
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 4 bd · 4 ba · 2,080 sqft · built 1946 |
| Lot Size | 0.137 acres (5,967 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,000 (Mar 2024) |
| Tax Bill | $4,042 (2025) |
| Deeds & Mortgages | Mar 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20456-000-000 |
| Primary APN | 20456-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 2,080 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Multi-Family |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,967 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 114 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTHS 1ST ADD. LOT 20 BLK 8 ORB 4783 P 213 MAP 105C2 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 8 |
| Legal Lot Number | 20 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 1900 |
Source: Bay County records, as of July 7, 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 | 411 GENEVA AVE, PANAMA CITY BEACH, FL 32407-2941 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2024 · Amount on Record |
| Deed Sale | Mar 15, 2024 · Amount on Record |
| Deed Document Number | 202414980 |
| Deed Book / Page | 4783 / 213 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 15, 2024 |
| Property Address | 405 E 4TH ST, PANAMA CITY, FL 32401 |
| Document Number | 0047830213 |
| Book / Page | 4783 / 213 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 2024014980 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Title Company | FLORIDA LEGAL TITLE LLC, FLORIDA LEGAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 111 LAKE CONDY RD, OPELIKA, AL 36801-2646 |
| Name | Verified Name |
|---|---|
| Address | 411 GENEVA AVE, PANAMA CITY BEACH, FL 32407-2941 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,042.00 (+25.84%) | $255,953 (+14.11%) Land $49,470 Building $206,483 | $255,953 (+14.11%) Land $49,470 Building $206,483 |
| 2024 | $3,212.00 (+37.5%) | ||
| 2023 | $2,336.00 (+18.46%) | $224,312 (+19.45%) Land $43,350 Building $180,962 | $224,312 (+19.45%) Land $43,350 Building $180,962 |
| 2022 | $1,972.00 | $187,786 Land $38,760 Building $149,026 | $187,786 Land $38,760 Building $149,026 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 14 (1985–2021) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Sep 2021 · other causes |
| Claims by Event |
|
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 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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