Bay County property record for 4140 Kirkpatrick Rd, Panama City, FL 32409
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,096 sqft · built 1976 |
| Lot Size | 1.09 acres (47,567 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Oct 2019) |
| Tax Bill | $2,652 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Oct 2019 Sale & Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07758-122-000 |
| Primary APN | 07758-122-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| Gross Area | 4,464 sqft |
| 1st Floor Area | 780 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 47,567 sqft (1.09 acres) |
| Lot Dimensions | 366 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 1,296 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 496 sqft |
| Patio Area | 416 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4140 KIRKPATRICK RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32409-2126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | 24 2S 14W -1.13B- 113D COM AT SW COR ORIG GOVT LOT 1 N 66.08 E 1393.58 NELY 308.2 NWLY 521.88 FOR POB TH NWLY 131.18 E 369.50 TO DEER POINT LAKE SLY 130 W 365.7 TO POB ORB 4173 P 1465 |
| Legal Range | 14W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | DEER POINT LAKE |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 402 |
4140 Kirkpatrick Rd is owned and occupied by an individual who bought it in October 2019.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4140 KIRKPATRICK RD, SOUTHPORT, FL 32409-2126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Survivorship Marital Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 31, 2022 | Deed of Trust, Mortgage · Line of Credit TYNDALL FCU |
| Oct 1, 2019 | Warranty Deed, Transfer · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2019 · Amount on File |
| Deed Sale | Oct 1, 2019 · Amount on File |
| Deed Document Number | 201985932 |
| Deed Book / Page | 4173 / 1465 |
| Prior Transfer Date | Oct 25, 2006 |
| Prior Transfer Doc | 0028501373 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 4140 KIRKPATRICK RD, SOUTHPORT, FL 32409-2126 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4140 KIRKPATRICK RD, SOUTHPORT, FL 32409-2126 |
| Document Number | 0046260423 |
|---|---|
| Date | Oct 31, 2022 |
| Book Page | 4626/423 |
| Instrument | 2022079287 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 1, 2019 |
| Property Address | 4140 KIRKPATRICK RD, SOUTHPORT, FL 32409-2126 |
| Document Number | 0041731465 |
| Book / Page | 4173 / 1465 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 2019085932 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2259 CLARA MATHIS RD, 2259, SPRING HILL, TN 37174-2545 |
| Name | Verified Name |
|---|---|
| Address | 4140 KIRKPATRICK RD, SOUTHPORT, FL 32409-2126 |
| Document Number | 0041731484 |
|---|---|
| Date | Oct 1, 2019 |
| Instrument | 4173/1484 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 0041731468 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 4173/1468 |
| Instrument | 2019085933 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DRESDEN, TN 38225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 4140 Kirkpatrick Rd was $2,652 with a homeowner's exemption, up 1.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,652.00 (+1.88%) Homeowner's exemption | $254,026 | $277,059 Land $119,094 Building $157,965 |
| 2024 | $2,603.00 (+2%) | ||
| 2023 | $2,552.00 (+11.59%) Homeowner's exemption | $239,677 (+3%) | $249,468 (+5.35%) Land $98,865 Building $150,603 |
| 2022 | $2,287.00 Homeowner's exemption | $232,696 | $236,797 Land $98,865 Building $137,932 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4140 Kirkpatrick Rd 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 93 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 10 (2018–2021) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Aug 2021 · Tropical Storm Fred |
| 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.
Wildfire risk around 4140 Kirkpatrick Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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