Bay County property record for 4897 Windrow Way, Panama City, FL 32404
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.174 acres (7,579 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $389,900 (Jun 2026) |
| Tax Bill | $720 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05948-400-046 |
| Primary APN | 05948-400-046 |
|---|
| Lot Area | 7,579 sqft (0.174 acres) |
|---|---|
| Lot Dimensions | 110 ft deep x 69 ft wide |
| Street Address | 4897 WINDROW WAY |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-1259 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | TITUS PARK PH 2-B LOT 129 ORB 4845 P 131 |
| Legal Subdivision | TITUS PARK |
| Legal Lot Number | 129 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 402 |
4897 Windrow Way, vacant land, is owned and occupied by two individuals who bought it in June 2026.
Source: Bay County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4897 WINDROW WAY, PANAMA CITY, FL 32404-1259 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on File |
| Deed Sale | Jun 22, 2026 · Amount on File |
| Deed Document Number | 202637305 |
| Deed Book / Page | 5047 / 794 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 22, 2026 |
| Property Address | 4897 WINDROW WAY, PANAMA CITY, FL 32404-1259 |
| Document Number | 0000037305 |
| Book / Page | 5047 / 794 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202637305 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | TITLE OF FLORIDA, DHI TITLE OF FLORIDA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275,659.30 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4897 WINDROW WAY, PANAMA CITY, FL 32404-1259 |
| Document Number | 0000037306, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202637306 |
| Name | DHI MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 4897 Windrow Way was $720.
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 | $720.00 | $58,263 Land $58,263 | $58,263 Land $58,263 |
| 2023 | $741.00 (+973.91%) | $59,218 (+877.52%) Land $59,218 | $59,218 (+877.52%) Land $59,218 |
| 2022 | $69.00 | $6,058 Land $6,058 | $6,058 Land $6,058 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4897 Windrow Way in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2013.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 137 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 137 in force |
| Nearby Flood Claims | 10 (2013–2018) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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 4897 Windrow Way is moderate, ranking above 68% 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 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures