Bay County property record for 4940 E 4th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,084 sqft · built 1945 |
| Lot Size | 0.447 acres (19,471 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Feb 2004) |
| Tax Bill | $4,395 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 25929-000-000 |
| Primary APN | 25929-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,084 sqft Living Area |
| 1st Floor Area | 1,084 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 19,471 sqft (0.447 acres) |
| Lot Dimensions | 125 ft deep x 156 ft wide |
| Garage Type | Carport |
| Garage Area | 624 sqft |
| Carport | Carport |
| Carport Area | 624 sqft |
| Driveway | Driveway |
| Driveway Area | 1,092 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 824 sqft |
| Boat Access | Boat Access |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4940 E 4TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-7068 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARKER PLAT LOT 85 LESS E 16 TO BAY CO FOR DRAINAGE ORB 281 P 339 MAP 119D2 ORB 3202 P 2346 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 24 |
| Legal Subdivision | PARKER PLAT |
| Legal Lot Number | 85 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 900 |
4940 E 4th St is owned by an individual who acquired it in November 2009.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 BAY MEADOW DR, LYNN HAVEN, FL 32444-3302 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2004 · Amount on File |
| Deed Sale | Feb 3, 2004 · Amount on File |
| Deed Document Number | 20047570 |
| Deed Book / Page | 2392 / 2372 |
| Last Transfer Date | Nov 17, 2009 |
| Transfer Doc | 0032022346 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4940 E 4th St was $4,395, up 11.1% from the year before.
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 | $4,395.00 (+11.07%) | $310,059 | $320,702 Land $244,156 Building $76,546 |
| 2024 | $3,957.00 (+6.86%) | ||
| 2023 | $3,703.00 (+56.38%) | $270,808 (+16.25%) Land $197,964 Building $72,844 | $270,808 (+16.25%) Land $197,964 Building $72,844 |
| 2022 | $2,368.00 | $232,952 Land $166,289 Building $66,663 | $232,952 Land $166,289 Building $66,663 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4940 E 4th St in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 4940 E 4th St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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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