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

Bay County property record for 518 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,184 sqft · built 1976
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Oct 2025)
Tax Bill	$1,447 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20532-010-000`

Property Details

APN / Parcel Number

Primary APN	`20532-010-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,184 sqft Heated Area
Gross Area	1,957 sqft
1st Floor Area	1,184 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2006
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	312 sqft
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	461 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	518 E 4TH CT
City	PANAMA CITY
State	FL
Zip	32401-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD LOT 12A BLK 15 ORB 4202 P 717
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	15
Legal Lot Number	12A
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4027
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
Mailing Address	518 E 4TH CT, PANAMA CITY, FL 32401-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Dec 17, 2019	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Prior Sale	Dec 17, 2019 · Amount on Record
Deed Document Number	2025062739
Deed Book / Page	4967 / 1379
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 28, 2025
Property Address	518 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0049671379
Book / Page	4967 / 1379
Map Reference	MB 1 PG 30
Instrument Date	Oct 28, 2025
Instrument	2025062739
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SOUTH OAK TITLE 30A LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4159 KIRKPATRICK RD, SOUTHPORT, FL 32409-2127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E 4TH CT, PANAMA CITY, FL 32401-3716

Mortgage

Document Number	0049671381
Date	Oct 28, 2025
Instrument	4967/1381

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 17, 2019
Property Address	518 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0042020717
Book / Page	4202 / 0717
Instrument Date	Dec 16, 2019
Instrument	2019106678
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NORTH FLORIDA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$966.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	543 SELVA LAKES CIR, 543, ATLANTIC BEACH, FL 32233-4375

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E 4TH CT, PANAMA CITY, FL 32401-3716

Mortgage

Document Number	0004202718
Date	Dec 17, 2019
Instrument	4202/718

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$1,447.00 (-6.16%) Homeowner's exemption	$133,661 (+2.9%)	$156,644 (+5.52%) Land $21,266 Building $135,378
2024	$1,542.00 (-5.98%) Homeowner's exemption	$129,894 (+3%)	$148,447 (+8.56%) Land $20,874 Building $127,573
2023	$1,640.00 (+2.37%) Homeowner's exemption	$126,111 (+3%)	$136,736 (+10.58%) Land $19,600 Building $117,136
2022	$1,602.00 Homeowner's exemption	$122,438	$123,650 Land $17,150 Building $106,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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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