Bay County property record for 4902 E 4th St, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 880 sqft · built 1976 |
| Lot Size | 0.687 acres (29,925 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Apr 2026) |
| Tax Bill | $870 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25927-000-000 |
| Primary APN | 25927-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 880 sqft Living Area |
| 1st Floor Area | 880 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 29,925 sqft (0.687 acres) |
| Lot Dimensions | 173 ft deep x 173 ft wide |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 192 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 4902 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7055 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | PARKER PLAT LOT 83 MAP 119D2 ORDER OF SUMMARY ADMIN. CASE # 2001-999-CP |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | PARKER PLAT |
| Legal Lot Number | 83 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 900 |
Source: Bay County records, as of May 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 8 PACIFIC BAY CIR, 203, SAN BRUNO, CA 94066-6156 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION |
| Apr 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Jan 21, 2025 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on Record |
| Deed Sale | Apr 17, 2026 · Amount on Record |
| Prior Sale | Jan 21, 2025 · Amount on Record |
| Deed Document Number | 202623099 |
| Deed Book / Page | 5025 / 500 |
| Prior Transfer Date | May 19, 2025 |
| Prior Transfer Doc | 0000027779 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 4902 E 4TH ST, PANAMA CITY, FL 32404-7055 |
| Document Number | 0050250500 |
| Book / Page | 5025 / 500 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202623099 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63,630.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0000023100, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 202623100 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 10, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 4902 E 4TH ST, PANAMA CITY, FL 32404-7055 |
| Document Number | 0000023099 |
| Book / Page | 5025 / 500 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026.23099 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63,630.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0000023100, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026..23100 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 10, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 21, 2025 |
| Property Address | 4902 E 4TH ST, PANAMA CITY, FL 32404-7055 |
| Document Number | 0048771151 |
| Book / Page | 4877 / 1151 |
| Map Reference | MB 5 PG 2 |
| Instrument Date | Jan 7, 2025 |
| Instrument | 2025003206 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 WOODBAY CT, SAINT JOHNS, FL 32259-9355 |
| Name | Verified Name |
|---|---|
| Address | 1112 HIGH ST, PANAMA CITY, FL 32404-7016 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Parker City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $870.00 (-8.42%) | $61,942 (-2.28%) | $62,669 (-1.14%) Land $62,669 |
| 2024 | $950.00 (+6.86%) | ||
| 2023 | $889.00 (+54.07%) | $63,390 (+11.51%) Land $52,678 Building $10,712 | $63,390 (+11.51%) Land $52,678 Building $10,712 |
| 2022 | $577.00 | $56,846 Land $47,229 Building $9,617 | $56,846 Land $47,229 Building $9,617 |
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 38 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 44 units insured incl. 6 condo units |
| Nearby Flood Claims | 16 (1987–2018) |
| Claims Outside the SFHA | 8 of 16 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 | PARKER, CITY OF WATER SYSTEM serves 4,358 people · EPA ID FL1030520 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Oct 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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