Bay County property record for 4635 Brook Forest Dr, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,055 sqft · built 1978 |
| Lot Size | 0.78 acres (34,020 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $10,000 (Jan 2003) |
| Tax Bill | $1,853 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11423-090-000 |
| Primary APN | 11423-090-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,055 sqft Heated Area |
| Gross Area | 2,702 sqft |
| 1st Floor Area | 1,185 sqft |
| 2nd Floor Area | 870 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 34,020 sqft (0.78 acres) |
| Lot Dimensions | 187 ft deep x 110 ft wide |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 660 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 163 sqft |
| Patio Area | 560 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4635 BROOK FOREST DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 13 3S 14W -65.9- 116A ST A B DEV CO PLAT BEG 350' E OF NW COR OF NE1/4 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 13 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 1301 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4635 BROOK FOREST DR, PANAMA CITY, FL 32404-9715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2003 · Amount on Record |
| Deed Sale | Jan 29, 2003 · Amount on Record |
| Prior Sale | Oct 25, 2002 · Amount on Record |
| Deed Document Number | 2003-005996 |
| Deed Book / Page | 2198 / 0523 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,853.00 (+3.58%) Homeowner's exemption | $189,440 (+5.99%) | $259,698 (+7.35%) Land $70,702 Building $188,996 |
| 2023 | $1,789.00 (+11.6%) Homeowner's exemption | $178,739 (+3%) | $241,927 (+9.16%) Land $56,390 Building $185,537 |
| 2022 | $1,603.00 Homeowner's exemption | $173,533 | $221,631 Land $49,128 Building $172,503 |
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 30 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 8 (1998–2020) |
| Claims Outside the SFHA | 8 of 8 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Mediacom Xtream.
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