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

Bay County property record for 549 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,104 sqft · built 1935
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Jul 2023)
Tax Bill	$5,630 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20516-000-000`

Property Details

APN / Parcel Number

Primary APN	`20516-000-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,104 sqft Living Area
1st Floor Area	2,104 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2015
Exterior Material	Other
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	Detached
Driveway	Driveway
Driveway Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	140 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	549 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 LOT 21 BLK 12 ORB 4708 P 649
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	12
Legal Lot Number	21
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 April 9, 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	1608 LOST COVE LN, PANAMA CITY BEACH, FL 32413-8434
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Quit Claim Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 11, 2023	Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Apr 11, 2017	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on Record
Deed Sale	Jul 11, 2023 · Amount on Record
Prior Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	202342941
Deed Book / Page	4708 / 649
Prior Transfer Date	Aug 13, 2009
Prior Transfer Doc	0031760828
Record Updated	Sep 20, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 25, 2026
Property Address	549 E 4TH CT, PANAMA CITY, FL 32401-3715
Document Number	0050162135
Book / Page	5016 / 2135
Map Reference	MB 1 PG 30
Instrument Date	Mar 13, 2026
Instrument	2026018066
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 SUWANNEE DR, ROSEMARY BEACH, FL 32461-8690

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 LOST COVE LN, PANAMA CITY BEACH, FL 32413-8434

Mortgage

Document Number	0050162138
Date	Mar 25, 2026
Instrument	5016/2138

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Jul 11, 2023
Property Address	549 E 4TH CT, PANAMA CITY, FL 32401-3715
Document Number	0047080649
Book / Page	4708 / 649
Instrument Date	Jul 7, 2023
Instrument	2023042941
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 PORTER DR, LYNN HAVEN, FL 32444-4618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SUWANNEE DR, ROSEMARY BEACH, FL 32461-8690

Mortgage

Document Number	0004708651
Date	Jul 11, 2023
Instrument	4708/651

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 11, 2017
Property Address	549 E 4TH CT, PANAMA CITY, FL 32401-3715
Document Number	0038901669
Book / Page	003890 / 001669
Instrument Date	Apr 7, 2017
Instrument	20169
Transaction Type	Transfer
Record Updated	May 24, 2017
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2800 WOODMERE DR PANAMA CITY FL 324054384, PANAMA CITY, FL 32405-4384

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	$5,630.00 (-7.7%)	$356,476 (+304.41%) Land $21,266 Building $335,210	$356,476 (+304.41%) Land $21,266 Building $335,210
2024	$6,100.00 (+259.03%)
2023	$1,699.00 (+13.19%)	$88,147 (+10.65%) Land $19,600 Building $68,547	$88,147 (+10.65%) Land $19,600 Building $68,547
2022	$1,501.00	$79,662 Land $17,150 Building $62,512	$79,662 Land $17,150 Building $62,512

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
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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