4402 E 39th St, Panama City, FL 32404 Property Records

Bay County property record for 4402 E 39th St, Panama City, FL 32404

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,326 sqft · built 1984
Lot Size	0.636 acres (27,704 sqft)
Owner	Individual Name on File
Tax Bill	$232 (2025)
Deeds & Mortgages	Jul 2026 Sale
Flood Zone	Zone A (high risk)
APN	`05939-040-000`

Property Details

APN / Parcel Number

Primary APN	`05939-040-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,326 sqft Living Area
1st Floor Area	1,326 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Metal
Lot Area	27,704 sqft (0.636 acres)
Lot Dimensions	204 ft deep x 136 ft wide
Garage Type	Detached
Garage Area	288 sqft
Driveway	Driveway
Driveway Area	300 sqft
Pool Area	392 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4402 E 39TH ST
City	PANAMA CITY
State	FL
Zip	32404-5724
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC02
Legal Description	19 3S 13W -6.4- ST AND BAY DEV CO PLAT BEG 231 S OF NE COR LOT 8 TH S 136.5 W 203.8 N 136.5 E 203.8TO POB ORB 3615 P 1479
Legal Range	13W
Legal Township	03S
Legal Section	19
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3046
Census Tract	500

Owner

4402 E 39th St, a mobile home, is owned and occupied by an individual who acquired it in July 2026.

Source: Bay County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	4402 E 39TH ST, PANAMA CITY, FL 32404-5724
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2014
Deed Sale	Jun 11, 2014
Deed Document Number	201431307
Deed Book / Page	3615 / 1479
Last Transfer Date	Jul 24, 2026
Transfer Doc	0000046388
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 30, 2026
Property Address	4402 E 39TH ST, PANAMA CITY, FL 32404-5724
Document Number	0000046388
Book / Page	5062 / 359
Instrument Date	Jul 24, 2026
Instrument	202646388
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4402 E 39TH ST, PANAMA CITY, FL 32404-5724

Tax Assessment & Valuation

The 2025 property tax bill for 4402 E 39th St was $232 with a homeowner's exemption, up 5.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$232.00 (+5.94%) Homeowner's exemption	$40,591	$50,206 Land $29,964 Building $20,242
2024	$219.00 (+5.8%)
2023	$207.00 (+14.36%) Homeowner's exemption	$38,412 (+3%)	$46,768 (+4.1%) Land $27,172 Building $19,596
2022	$181.00 Homeowner's exemption	$37,293	$44,928 Land $27,172 Building $17,756

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4402 E 39th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 190 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	190 in force
Nearby Flood Claims	6 (2018–2021)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 5 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 4402 E 39th St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20