Bay County property record for 505 E 4th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,880 sqft · built 1940 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $110,000 (Jun 2000) |
| Tax Bill | $383 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20520-000-000 |
| Primary APN | 20520-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,880 sqft Living Area |
| Gross Area | 2,336 sqft |
| 1st Floor Area | 1,204 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 110 ft deep x 109 ft wide |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Driveway | Driveway |
| Driveway Area | 225 sqft |
| Porch | Slab |
| Porch Area | 376 sqft |
| Patio Area | 30,000 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 505 E 4TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTHS 1ST ADD. E 1/2 LOTS 3 & 4 BLK 13 ORB 1950 P 1483 MAP 105C2 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 13 |
| Legal Lot Number | 3,4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 1900 |
Source: Bay County records, as of August 12, 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 | 505 E 4TH CT, PANAMA CITY, FL 32401-3715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2000 · Amount on Record |
| Deed Sale | Jun 1, 2000 · Amount on Record |
| Deed Document Number | 200028238 |
| Deed Book / Page | 1950 / 1483 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 505 E 4TH CT, PANAMA CITY, FL 32401-3715 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 505 E 4TH CT, PANAMA CITY, FL 32401-3715 |
| Document Number | 0045031974 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 4503/1974 |
| Instrument | 2021097667 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32405 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 22, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $383.00 (+17.85%) Homeowner's exemption | $39,804 (+5.99%) | $45,044 (+4.01%) Land $42,102 Building $2,942 |
| 2023 | $325.00 (-35.26%) Homeowner's exemption | $37,555 (+3%) | $43,308 (+11.13%) Land $38,804 Building $4,504 |
| 2022 | $502.00 Homeowner's exemption | $36,461 | $38,972 Land $33,953 Building $5,019 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 14 (1985–2021) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Sep 2021 · other causes |
| 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 271 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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