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

Bay County property record for 538 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 785 sqft · built 1947
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$89,600 (Jun 2019)
Tax Bill	$705 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`20529-000-000`

Property Details

APN / Parcel Number

Primary APN	`20529-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	785 sqft Heated Area
Gross Area	1,149 sqft
1st Floor Area	785 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Construction Type	Concrete Block
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 Area	264 sqft
Driveway	Driveway
Driveway Area	286 sqft

Exterior Amenities

Porch	Porch
Porch Area	100 sqft
Deck Area	180 sqft
Patio Area	180 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	538 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. MAP 105C2 LOT 8 BLK 15 ORB 4136 P 1117
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	15
Legal Lot Number	8
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	2 Individual Names on Record
Mailing Address	538 E 4TH CT, PANAMA CITY, FL 32401-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2019	Warranty Deed, Transfer LORRAINE MORGAN
Jun 22, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019 · Amount on Record
Deed Sale	Jun 20, 2019 · Amount on Record
Prior Sale	Jun 22, 2017 · Amount on Record
Deed Document Number	2019057520
Deed Book / Page	4136 / 1117
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 20, 2019
Property Address	538 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0041361117
Book / Page	004136 / 001117
Instrument Date	Jun 17, 2019
Instrument	57520
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	538 E 4TH CT PANAMA CITY FL 324013716, PANAMA CITY, FL 32401-3716

Mortgage

Document Number	41361119
Date	Jun 20, 2019
Book Page	004136/001119
Instrument	57521

Lender

Name	LORRAINE MORGAN
Address	118 OLYMPUS RD, SANTA ROSA BEACH, FL 32459-5900
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 22, 2017
Property Address	538 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0039111644
Book / Page	003911 / 001644
Instrument Date	Jun 21, 2017
Instrument	35250
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$605.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 OLYMPUS RD SANTA ROSA BEACH FL 324595900, SANTA ROSA BEACH, FL 32459-5900

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	$705.00 (-18.31%) Homeowner's exemption	$86,690 (+5.99%)	$100,265 (+13.14%) Land $21,266 Building $78,999
2023	$863.00 (-2.71%) Homeowner's exemption	$81,793 (+3%)	$88,619 (+10.51%) Land $19,600 Building $69,019
2022	$887.00 Homeowner's exemption	$79,411	$80,194 Land $17,150 Building $63,044

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
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.

Nearby Properties on E 4th Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures