525 E 4th St, Panama City, FL 32401 Property Records

Bay County property record for 525 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,444 sqft · built 1915
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on Record
Last Sale	$497,200 (Jul 2023)
Tax Bill	$5,717 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2022 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20536-000-000`

Property Details

APN / Parcel Number

Primary APN	`20536-000-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,444 sqft Living Area
1st Floor Area	1,882 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2015
Exterior Material	Plywood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	432 sqft
Carport	Carport
Carport Area	432 sqft
Driveway	Driveway
Driveway Area	1,960 sqft
Pool Area	512 sqft
Porch	Florida Room
Porch Area	1,511 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	525 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. E1/2 LOT 16 & LOT 17 BLK 15 MAP 105C2 ORB 4757 P 657
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	15
Legal Lot Number	16,17
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 October 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	525 E 4TH ST, PANAMA CITY, FL 32401-3711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Warranty Deed, Transfer · VA Mortgage PLAINS COMMERCE BANK
Sep 21, 2022	Warranty Deed, Transfer · Line of Credit INNOVATIONS FCU
Jan 26, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
May 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Sep 21, 2022 · Amount on Record
Deed Document Number	202342274
Deed Book / Page	4707 / 703
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 7, 2023
Property Address	525 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0047070703
Book / Page	4707 / 703
Map Reference	MB 1 PG 30
Instrument Date	Jul 6, 2023
Instrument	2023042274
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	NOT AVAILABLE, BURG TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,480.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1208 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 E 4TH ST, PANAMA CITY, FL 32401-3711

Mortgage

Document Number	0004707705
Date	Jul 7, 2023
Instrument	4707/705

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 21, 2022
Property Address	525 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0046121885
Book / Page	4612 / 1885
Map Reference	MB 1 PG 30
Instrument Date	Sep 19, 2022
Instrument	2022070066
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975

Mortgage

Document Number	0046121887
Date	Sep 21, 2022
Instrument	4612/1887

Lender

Name	INNOVATIONS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 26, 2037

Interest

Rate	6%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	525 E 4TH ST, PANAMA CITY, FL 32401-3711
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 E 4TH ST, PANAMA CITY, FL 32401-3711

Mortgage

Document Number	0045151359
Date	Jan 26, 2022
Book Page	4515/1359
Instrument	2022005824

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	32414

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	525 E 4TH ST, PANAMA CITY, FL 32401-3711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041210561
Date	May 9, 2019
Book Page	4121/0561
Instrument	2019045224

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$5,717.00 (-5.95%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$409,009 (+40.37%) Land $31,899 Building $377,110	$409,009 (+40.37%) Land $31,899 Building $377,110
2024	$6,079.00 (+20.4%)
2023	$5,049.00 (+473.75%)	$291,375 (+266.36%) Land $29,400 Building $261,975	$291,375 (+90.47%) Land $29,400 Building $261,975
2022	$880.00 Homeowner's exemption	$79,532	$152,974 Land $25,725 Building $127,249

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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