4981 Conner Ln, Panama City, FL 32404 Property Records

Bay County property record for 4981 Conner Ln, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,867 sqft · built 2023
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$316,799 (Mar 2023)
Tax Bill	$3,976 (2025)
Deeds & Mortgages	Apr 2023 Transfer Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05903-100-178`

Property Details

APN / Parcel Number

Primary APN	`05903-100-178`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,867 sqft Heated Area
Gross Area	2,512 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	130 ft deep x 78 ft wide
Driveway	Driveway
Driveway Area	666 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4981 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 89 ORB 4669 P 1291
Legal Phase	1
Legal Lot Number	89
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3020
Census Tract	500

Owner

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	Individual Name on Record
Mailing Address	4981 CONNER LN, PANAMA CITY, FL 32404-8965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Correction Deed
Mar 21, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2023 · Amount on Record
Deed Sale	Mar 21, 2023 · Amount on Record
Deed Document Number	2023017007
Deed Book / Page	4669 / 1291
Record Updated	Jun 8, 2026

April 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	BAY FL
Recording Date	Apr 28, 2023
Property Address	4981 CONNER LN, PANAMA CITY, FL 32404-8965
Document Number	0046831421
Book / Page	4683 / 1421
Map Reference	MB 29 PG 6-14
Instrument Date	Apr 26, 2023
Instrument	2023026384
Record Updated	Jan 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10700 PECAN PARK BLVD STE 450, 450, AUSTIN, TX 78750-1481

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 21, 2023
Property Address	4981 CONNER LN, PANAMA CITY, FL 32404-8965
Document Number	0046691291
Book / Page	4669 / 1291
Map Reference	MB 29 PG 6-14
Instrument Date	Mar 17, 2023
Instrument	2023017007
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 15, 2024
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,217.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17745 ASHLEY DR, PANAMA CITY BEACH, FL 32413-5120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4981 CONNER LN, PANAMA CITY, FL 32404-8965

Mortgage

Document Number	0046691292
Date	Mar 21, 2023
Instrument	4669/1292

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,976.00 (+346.74%) Homeowner's exemption	$293,793 (+576.77%) Land $64,191 Building $229,602	$293,793 (+576.77%) Land $64,191 Building $229,602
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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 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	Hurricane Michael, Oct 2018 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 45% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Mediacom Xtream.

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