Bay County property record for 540 E 4th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,196 sqft · built 1936 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,000 (Dec 2005) |
| Tax Bill | $1,186 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20528-000-000 |
| Primary APN | 20528-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Shingles |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,969 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 256 sqft |
| Carport | Carport |
| Carport Area | 256 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 176 sqft |
| Deck Area | 624 sqft |
| Patio Area | 624 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 540 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 LOT 7 BLK 15 ORB 519 P 339 MAP 105C2 ORB 2469 P 2389 ORB 2509 P 813 ORB 2628 P 1832 ORB 2717 P 2071 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 15 |
| Legal Lot Number | 7 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4027 |
| Census Tract | 1900 |
Source: Bay County records, as of January 5, 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 | 5428 HOPETOWN LN, PANAMA CITY, FL 32408-7937 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2005 · Amount on Record |
| Deed Sale | Dec 21, 2005 · Amount on Record |
| Prior Sale | Jun 23, 2005 · Amount on Record |
| Deed Document Number | 200599364 |
| Deed Book / Page | 2717 / 2071 |
| Prior Transfer Date | May 14, 2004 |
| Prior Transfer Doc | 0000052578 |
| Record Updated | Sep 20, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,186.00 (-15.47%) | $60,762 (-34.09%) | $103,256 (+12%) Land $21,266 Building $81,990 |
| 2024 | $1,403.00 (+10.21%) | ||
| 2023 | $1,273.00 (+38.22%) | $92,191 (+106.15%) Land $19,600 Building $72,591 | $92,191 (+106.15%) Land $19,600 Building $72,591 |
| 2022 | $921.00 | $44,720 Land $17,150 Building $27,570 | $44,720 Land $17,150 Building $27,570 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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.
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 |
| 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.
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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