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

Bay County property record for 539 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,536 sqft · built 1940
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Oct 2015)
Tax Bill	$1,470 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20515-000-000`

Property Details

APN / Parcel Number

Primary APN	`20515-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	1,536 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	960 sqft
Driveway	Driveway
Driveway Area	564 sqft
Porch	Open Porch
Porch Area	172 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	539 E 4TH CT
City	PANAMA CITY
State	FL
Zip	32401-3715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD E/2 LOT 19 ALL LOT 20 BLK 12 ORB 3738 P 241 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	12
Legal Lot Number	19,20
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4024
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	539 E 4TH CT, PANAMA CITY, FL 32401-3715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Aug 10, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2015 · Amount on Record
Deed Sale	Oct 2, 2015 · Amount on Record
Prior Sale	Aug 25, 2010 · Amount on Record
Deed Document Number	201554401
Deed Book / Page	3738 / 241
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	539 E 4TH CT, PANAMA CITY, FL 32401-3715
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 E 4TH CT, PANAMA CITY BEACH, FL 32401-3715

Mortgage

Document Number	0047522167
Date	Nov 29, 2023
Book Page	4752/2167
Instrument	2023074192

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	539 E 4TH CT, PANAMA CITY, FL 32401-3715
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 E 4TH CT, PANAMA CITY, FL 32401-3715

Mortgage

Document Number	0044580780
Date	Sep 9, 2021
Book Page	4458/780
Instrument	2021069181

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	539 E 4TH CT, PANAMA CITY, FL 32401-3715
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	CORNERSTONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 E 4TH CT, PANAMA CITY, FL 32401-3715

Mortgage

Document Number	0044452081
Date	Aug 10, 2021
Book Page	4445/2081
Instrument	2021061541

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	293 Months
Due	Jan 1, 2046

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	$1,470.00 (-6.07%) Homeowner's exemption	$135,129 (+7.64%)	$172,644 (+19.81%) Land $31,899 Building $140,745
2024	$1,565.00 (-3.87%)
2023	$1,628.00 (+2.33%) Homeowner's exemption	$125,543 (+3%)	$144,104 (+10.47%) Land $29,400 Building $114,704
2022	$1,591.00 Homeowner's exemption	$121,886	$130,445 Land $25,725 Building $104,720

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 98% of the US · lower than 97.6% 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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