509 E 4th Ct, Panama City, FL 32401 Property Records

Bay County property record for 509 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 1969
Lot Size	0.401 acres (17,468 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (Nov 2014)
Tax Bill	$2,009 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20511-000-000`

Property Details

APN / Parcel Number

Primary APN	`20511-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,884 sqft Heated Area
Gross Area	2,692 sqft
1st Floor Area	1,884 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1989
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	17,468 sqft (0.401 acres)
Lot Dimensions	140 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	360 sqft

Exterior Amenities

Porch	Porch
Porch Area	376 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	509 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. LOT B & LOT 13 & W25' L-14 BLK 12
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	12
Legal Lot Number	B
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4024
Census Tract	1900

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
Co-owner	Co-owner on Record
Mailing Address	509 E 4TH CT, PANAMA CITY, FL 32401-3715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jan 31, 2019	Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2014 · Amount on Record
Deed Sale	Nov 12, 2014 · Amount on Record
Prior Sale	Jul 27, 2007 · Amount on Record
Deed Document Number	2014059669
Deed Book / Page	3653 / 2055
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	509 E 4TH CT, PANAMA CITY, FL 32401-3715
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043620490
Date	Feb 10, 2021
Book Page	4362/490
Instrument	2021009709

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	509 E 4TH CT, PANAMA CITY, FL 32401-3715
Document Number	0041101007
Instrument Date	Jan 31, 2019
Transaction Type	Mortgage
Record Updated	Apr 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 E 4TH CT PANAMA CITY BEACH FL 324013715, PANAMA CITY BEACH, FL 32401-3715

Mortgage

Document Number	0041101007
Date	Apr 9, 2019
Book Page	004110/001007
Instrument	36123

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	JACKSON, MS 39208

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 8, 2044

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	$2,009.00 (-8.89%) Homeowner's exemption	$169,289 (+5.99%)	$211,664 (+13.82%) Land $53,165 Building $158,499
2023	$2,205.00 (+4.06%) Homeowner's exemption	$159,726 (+3%)	$185,966 (+11.11%) Land $49,000 Building $136,966
2022	$2,119.00 Homeowner's exemption	$155,074	$167,369 Land $42,875 Building $124,494

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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	Hurricane Michael, Oct 2018 · 7 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	Low lower than 99.1% of the US · lower than 98.7% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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