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

Bay County property record for 536 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,316 sqft · built 1927
Lot Size	0.321 acres (13,983 sqft)
Owner	Trust Name on File
Last Sale	$305,000 (Sep 2019)
Tax Bill	$4,165 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20581-000-000`

Property Details

APN / Parcel Number

Primary APN	`20581-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,316 sqft Heated Area
Gross Area	2,580 sqft
1st Floor Area	2,316 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Driveway	Driveway
Driveway Area	924 sqft

Exterior Amenities

Porch	Porch
Porch Area	264 sqft
Deck Area	132 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	536 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. LOTS 24,25 BLK 18 LESS EASEMENT
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	18
Legal Lot Number	24,25 25
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4026
Census Tract	1900

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 1005, PANAMA CITY, FL 32402-1005
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2019	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
May 3, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2019 · Amount on File
Deed Sale	Sep 26, 2019 · Amount on File
Prior Sale	Feb 22, 2006 · Amount on File
Deed Document Number	2019085078
Deed Book / Page	4172 / 0775
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 26, 2019
Property Address	536 E 4TH ST, PANAMA CITY, FL 32401-3712
Document Number	0041720775
Book / Page	4172 / 0775
Map Reference	MB 1 PG 30
Instrument Date	Sep 23, 2019
Instrument	2019085078
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	536 E 4TH ST, 536, PANAMA CITY, FL 32401-3712

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 1005, PANAMA CITY, FL 32402-1005

Mortgage

Document Number	0004172777
Date	Sep 26, 2019
Instrument	4172/777

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	536 E 4TH ST, PANAMA CITY, FL 32401-3712
Document Number	0038990038
Book / Page	003899 / 000038
Instrument Date	May 3, 2017
Transaction Type	Mortgage
Record Updated	Jun 5, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	536 E 4TH ST PANAMA CITY FL 324013712, PANAMA CITY, FL 32401-3712

Mortgage

Document Number	0038990038
Date	May 9, 2017
Book Page	003899/000038
Instrument	26259

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 8, 2047

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	$4,165.00 (-6.89%) Homeowner's exemption	$305,744 (+5.99%)	$404,793 (+20.25%) Land $68,110 Building $336,683
2023	$4,473.00 (+6.25%) Homeowner's exemption	$288,473 (+3%)	$336,617 (+9%) Land $58,800 Building $277,817
2022	$4,210.00 Homeowner's exemption	$280,071	$308,836 Land $51,058 Building $257,778

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 File 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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