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

Bay County property record for 545 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,027 sqft · built 1933
Lot Size	0.241 acres (10,497 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jun 2024)
Tax Bill	$4,559 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20538-000-000`

Property Details

APN / Parcel Number

Primary APN	`20538-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,027 sqft Living Area
1st Floor Area	2,027 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
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	Carport
Carport	Carport

Exterior Amenities

Pool Area	280 sqft
Porch	Screened/Unfinished Porch
Porch Area	515 sqft
Deck Area	320 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	545 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 LOT 21 & E 25 LOT 20 BLK 15 ORB 4813 P 1501 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	15
Legal Lot Number	21,20
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 September 14, 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	313 ARGONAUT ST, PANAMA CITY BEACH, FL 32413-2749
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Dec 9, 2020	Warranty Deed, Transfer OTHER INSTITUTIONAL LENDERS
Nov 17, 2017	Warranty Deed, Transfer MTI TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2024 · Amount on Record
Deed Sale	Jun 20, 2024 · Amount on Record
Prior Sale	Dec 9, 2020 · Amount on Record
Deed Document Number	202436325
Deed Book / Page	4813 / 1501
Prior Transfer Date	Dec 4, 2020
Prior Transfer Doc	0043350368
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Aug 28, 2026
Property Address	545 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0000053622
Book / Page	5073 / 758
Instrument Date	Aug 24, 2026
Instrument	202653622
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 E 4TH ST, PANAMA CITY, FL 32401-3711

Mortgage

Document Number	0000053622,
Date	Aug 28, 2026
Book Page	5073/758
Instrument	202653622

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 9, 2020
Property Address	545 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0043350368
Book / Page	004335 / 000368
Instrument Date	Dec 4, 2020
Instrument	83192
Transaction Type	Transfer
Record Updated	Jan 8, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$361.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	545 E 4TH ST PANAMA CITY BEACH FL 324013711, PANAMA CITY BEACH, FL 32401-3711

Mortgage

Document Number	43350370
Date	Dec 9, 2020
Book Page	004335/000370
Instrument	83193

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	JACKSON, MS 39225

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 17, 2017
Property Address	545 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0039551735
Book / Page	003955 / 001735
Instrument Date	Nov 15, 2017
Instrument	66645
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	MTI TITLE

Transaction

Amount	Amount Recorded
Tax	$1,890.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BROAD ST SHANNON MS 388689335, SHANNON, MS 38868-9335

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	$4,559.00 (+99.26%)	$288,669 (+67.79%) Land $31,899 Building $256,770	$288,669 (+31.02%) Land $31,899 Building $256,770
2024	$2,288.00 (-5.77%)
2023	$2,428.00 (+4.21%) Homeowner's exemption	$172,043 (+3%)	$220,326 (+31.91%) Land $29,400 Building $190,926
2022	$2,330.00 Homeowner's exemption	$167,032 Land $25,725 Building $141,307	$167,032 Land $25,725 Building $141,307

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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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