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

Bay County property record for 524 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1933
Lot Size	0.321 acres (13,982 sqft)
Owner	2 Individual Names on Record
Last Sale	$276,000 (Mar 2026)
Tax Bill	$1,011 (2025)
Deeds & Mortgages	Mar 2026 Sale May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20531-000-000`

Property Details

APN / Parcel Number

Primary APN	`20531-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2013
Exterior Material	Asbestos
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,982 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	320 sqft
Porch	Open Porch
Porch Area	80 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	524 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 LOTS 10 & 11 BLK 15 ORB 4118 P 756 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	15
Legal Lot Number	10,11
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 May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	524 E 4TH CT, PANAMA CITY, FL 32401-3716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Warranty Deed, Transfer SOUTH OAK TITLE 30A LLC
May 1, 2019	Warranty Deed, Transfer ALAN & JEANETTE R SWIGLER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	May 1, 2019 · Amount on Record
Deed Document Number	202616979
Deed Book / Page	5015 / 300
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 20, 2026
Property Address	524 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0050150300
Book / Page	5015 / 300
Map Reference	MB 1 PG 30
Instrument Date	Mar 20, 2026
Instrument	2026016979
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	SOUTH OAK TITLE 30A LLC

Transaction

Amount	Amount Recorded
Tax	$1,932.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4101 EASY ST, PANAMA CITY, FL 32409-2496

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	524 E 4TH CT, PANAMA CITY, FL 32401-3716

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 1, 2019
Property Address	524 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0041180756
Book / Page	004118 / 000756
Instrument Date	Apr 30, 2019
Instrument	42936
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	524 E 4TH CT PANAMA CITY FL 324013716, PANAMA CITY, FL 32401-3716

Mortgage

Document Number	41180758
Date	May 1, 2019
Book Page	004118/000758
Instrument	42937

Lender

Name	ALAN & JEANETTE R SWIGLER
Address	719 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3419
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$1,011.00 (-9.65%) Homeowner's exemption	$106,060 (+2.9%)	$120,657 (+4.28%) Land $42,532 Building $78,125
2024	$1,119.00 (-3.12%) Homeowner's exemption	$103,071 (+3%)	$115,700 (+7.7%) Land $41,748 Building $73,952
2023	$1,155.00 Homeowner's exemption	$100,069 (+3%)	$107,428 (+9.63%) Land $39,200 Building $68,228
2022	$1,155.00 Homeowner's exemption	$97,154	$97,993 Land $34,300 Building $63,693

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 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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