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

Bay County property record for 554 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,090 sqft · built 1931
Lot Size	0.826 acres (35,980 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,486 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20579-000-000`

Property Details

APN / Parcel Number

Primary APN	`20579-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,090 sqft Living Area
1st Floor Area	2,586 sqft
Flooring	Carpet
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	35,980 sqft (0.826 acres)
Lot Dimensions	178 ft deep x 188 ft wide
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft
Driveway	Driveway
Porch	Florida Room
Porch Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	554 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD LOTS 19-22 LESS W 12 LOT 22 & N 15 LOT 18 BLK 18 MAP 105C2 ORB 1591 P 328 ORB 2297 P 1286
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	18
Legal Lot Number	18-22
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4026
Census Tract	1900

Owner

Source: Bay County records, as of March 26, 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	554 E 4TH ST, PANAMA CITY, FL 32401-3712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Mar 24, 2026	Warranty Deed, Transfer · Balloon Mortgage 2312 TALLY HO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 16, 2003
Transfer Doc	0000044565
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	554 E 4TH ST, PANAMA CITY, FL 32401-3712
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 E 4TH ST, PANAMA CITY, FL 32401-3712

Mortgage

Document Number	0049851320
Date	Dec 19, 2025
Book Page	4985/1320
Instrument	2025074272

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 24, 2026
Property Address	554 E 4TH ST, PANAMA CITY, FL 32401-3712
Document Number	0050160597
Book / Page	5016 / 597
Map Reference	MB 1 PG 30
Instrument Date	Mar 24, 2026
Instrument	2026017653
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	SOUTH OAK TITLE GARDENDALE LLC, SOUTH OAK TTL GRAND LAGOON L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	554 E 4TH ST, PANAMA CITY, FL 32401-3712

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 164, WEWAHITCHKA, FL 32465-0164

Mortgage

Document Number	0005016599
Date	Mar 24, 2026
Instrument	5016/599

Lender

Name	2312 TALLY HO LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2031

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	$1,486.00 (-5.95%) Homeowner's exemption	$136,146 (+5.99%)	$321,407 (+20.63%) Land $149,342 Building $172,065
2024	$1,580.00 (-7.49%)
2023	$1,708.00 (+0.65%) Homeowner's exemption	$128,455 (+3%)	$266,440 (+12.24%) Land $128,928 Building $137,512
2022	$1,697.00 Homeowner's exemption	$124,713	$237,378 Land $111,951 Building $125,427

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
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 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.

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