4100 E 43rd St, Panama City, FL 32404 Property Records

Bay County property record for 4100 E 43rd St, Panama City, FL 32404

Property Summary

Property TypeVacant Land
Lot Size4 acres (174,240 sqft)
OwnerCompany Name on File
Last Sale$315,000 (Nov 2024)
Tax Bill$2,969 (2025)
Deeds & MortgagesOct 2026 Mortgage
Apr 2026 Sale
+ 4 more
Flood ZoneZone X (minimal risk)
APN11426-010-000

Property Details

APN / Parcel Number

Primary APN11426-010-000

Exterior

Lot Area174,240 sqft (4 acres)

Location & Zoning

Street Address4100 E 43RD ST
CityPANAMA CITY
StateFL
Zip32404-9233
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal Description13 3S 14W -68- ST A B DEV CO PLAT BEG AT INTERSEC OF S R/W LINE OF 43RD ST & W R/W LINE OF CATO RD TH W 680 S 250 E 680 N 250 TO POB BEING A PART OF LOTS 67 & 68 ST A B DEV CO PLAT ORB 3481 P 1183
Legal Range14W
Legal Township03S
Legal Section13
Legal SubdivisionST A B DEV CO PLAT
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1005
Census Tract1301

Owner

4100 E 43rd St, vacant land, is owned by a company that acquired it in October 2025.

Source: Bay County records, as of October 22, 2026

Owner of RecordCompany Name on File
Mailing Address4411 WOODBROOK DR, MARIANNA, FL 32446-2206
Owner TypeCompany
VestingLimited Liability Partnership

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

DateDocument
Oct 2, 2026Deed of Trust, Mortgage · Conventional Mortgage
HARVEST COMMERCIAL CAPITAL LLC
Apr 8, 2026Correction Deed, Transfer
SANDERS TITLE COMPANY
Apr 8, 2026Correction Deed
LENDERS TITLE COMPANY, SANDERS TITLE COMPANY
Nov 10, 2025Quit Claim Deed, Transfer
LENDERS TITLE COMPANY, SANDERS TITLE COMPANY
Apr 10, 2026Quit Claim Deed, Transfer
LENDERS TITLE COMPANY, SANDERS TITLE COMPANY
Nov 13, 2024Warranty Deed, Construction Loan · Construction Mortgage
FIRST COMMERCE CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 13, 2024 · Amount on File
Deed SaleNov 13, 2024 · Amount on File
Deed Document Number202466600
Deed Book / Page4859 / 521
Last Transfer DateOct 30, 2025
Transfer Doc0049720058
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Recording DateOct 2, 2026
Property Address4100 E 43RD ST, PANAMA CITY, FL 32404-9233
Document Number0000061528
Book / Page5085 / 1421
Instrument DateSep 21, 2026
Instrument202661528
Transaction TypeMortgage
Record UpdatedOct 22, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266
Address4100 E 43RD ST, PANAMA CITY, FL 32404-9233

Mortgage

Document Number0000061528,
DateOct 2, 2026
Book Page5085/1421
Instrument202661528
Lender
NameHARVEST COMMERCIAL CAPITAL LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

April 2026: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionBAY FL
Recording DateApr 8, 2026
Property Address4100 E 43RD ST, PANAMA CITY, FL 32404-9233
Document Number0000020884
Book / Page5021 / 1935
Instrument DateMar 30, 2026
Instrument202620884
Transaction TypeTransfer
Record UpdatedApr 23, 2026
Title CompanySANDERS TITLE COMPANY

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership
Address4411 WOODBROOK DR, MARIANNA, FL 32446-2206

April 2026: Correction Deed

Document TypeCorrection Deed
JurisdictionBAY FL
Recording DateApr 8, 2026
Property Address4100 E 43RD ST, PANAMA CITY, FL 32404-9233
Document Number0050211935
Book / Page5021 / 1935
Instrument DateMar 30, 2026
Instrument202620884
Record UpdatedAug 27, 2026
Title CompanyLENDERS TITLE COMPANY, SANDERS TITLE COMPANY

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership
Address4411 WOODBROOK DR, MARIANNA, FL 32446-2206

November 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateNov 10, 2025
Property Address4100 E 43RD ST, PANAMA CITY, FL 32404-9233
Document Number0049720058
Book / Page4972 / 58
Instrument DateOct 30, 2025
Instrument2025065387
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanyLENDERS TITLE COMPANY, SANDERS TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4411 WOODBROOK DR, MARIANNA, FL 32446-2206

Transferred To (Grantee/Buyer)

NameVerified Name
Address4411 WOODBROOK DR, MARIANNA, FL 32446-2206

April 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateApr 10, 2026
Property Address4100 E 43RD ST, PANAMA CITY, FL 32404-9233
Document Number0050222175
Book / Page5022 / 2175
Instrument DateOct 30, 2025
Instrument202621561
Transaction TypeTransfer
Record UpdatedAug 27, 2026
Title CompanyLENDERS TITLE COMPANY, SANDERS TITLE COMPANY

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership
Address4411 WOODBROOK DR, MARIANNA, FL 32446-2206

November 2024: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateNov 13, 2024
Property Address4100 E 43RD ST, PANAMA CITY, FL 32404-9233
Document Number0048590521
Book / Page4859 / 521
Instrument DateNov 13, 2024
Instrument2024066600
Transaction TypeConstruction Loan
Record UpdatedJan 26, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,205.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4411 WOODBROOK DR, MARIANNA, FL 32446-2206

Mortgage

Document Number2024066601
DateNov 13, 2024
Instrument2024066601
Lender
NameFIRST COMMERCE CU
TypeCredit Union
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term60 Months
DueNov 13, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 4100 E 43rd St was $2,969, up 227.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,969.00 (+227.7%)$240,000 (+227.01%) Land $240,000$240,000 (+227.01%) Land $240,000
2024$906.00 (-0.98%)$73,392 (-) Land $73,392$73,392 (-) Land $73,392
2023$915.00 (+19.61%)$73,392 (+10.7%) Land $73,392$73,392 (+10.7%) Land $73,392
2022$765.00$66,300 Land $66,300$66,300 Land $66,300

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 4100 E 43rd St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1998.

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 30 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies30 in force
Nearby Flood Claims8 (1998–2020)
Claims Outside the SFHA8 of 8
Most Recent ClaimSep 2020 · Hurricane Sally
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 4100 E 43rd St is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemBAY COUNTY WATER SYSTEM
serves 40,848 people · EPA ID FL1030050
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 363 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable
2,000 / 250
WOW Internet, Cable & Phone
Cable · Fiber in parts of the area
1,200 / 50
Mediacom Xtream
Cable
1,000 / 50
Verizon
Fixed Wireless
300 / 20
AT&T
Fixed Wireless · Fiber in parts of the area
100 / 20

May also be available: T-Mobile.

Nearby Properties on E 43rd St

Nearby Streets

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