Bay County property record for 4976 Conner Ln, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,852 sqft · built 2023 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on File |
| Last Sale | $314,900 (May 2023) |
| Tax Bill | $4,589 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05903-100-158 |
| Primary APN | 05903-100-158 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,852 sqft Living Area |
| Gross Area | 2,292 sqft |
| 1st Floor Area | 1,852 sqft |
| Flooring | Carpet |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 493 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4976 CONNER LN |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LIBERTY PH 1 LOT 79 ORB 4685 P 29 |
| Legal Subdivision | LIBERTY PH 1 |
| Legal Lot Number | 79 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 500 |
Source: Bay County records · APN 05903-100-158
Assessment roll updated January 5, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PSC 37 BOX 2147, APO, AE 09459-0022 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 02, 2023 · Amount on Record |
| Deed Sale | May 02, 2023 · Amount on Record |
| Deed Document Number | 202327246 |
| Deed Book / Page | 4685 / 29 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 02, 2023 |
| Property Address | 4976 CONNER LN, PANAMA CITY, FL 32404-8965 |
| Document Number | 0046850029 |
| Book / Page | 4685 / 29 |
| Map Reference | MB 29 PG 6-14 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 2023027246 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,204.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17745 ASHLEY DR, PANAMA CITY BEACH, FL 32413-5120 |
| Name | Verified Name |
|---|---|
| Address | 4976 CONNER LN, PANAMA CITY, FL 32404-8965 |
| Document Number | 0000468530 |
|---|---|
| Date | May 02, 2023 |
| Instrument | 4685/30 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2053 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,589.00 (+1.15%) | $290,598 (+569.41%) Land $64,191 Building $226,407 | $290,598 (+569.41%) Land $64,191 Building $226,407 |
| 2024 | $4,537.00 (+409.78%) | ||
| 2023 | $890.00 (+7.23%) | $43,411 (+4.25%) Land $43,411 | $43,411 (+4.25%) Land $43,411 |
| 2022 | $830.00 | $41,642 Land $41,642 | $41,642 Land $41,642 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
|
| Wildfire Risk | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Mediacom Communications.
Based on FCC filings for 131 locations within half a mile of this property.
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