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

Bay County property record for 555 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,703 sqft · built 1940
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Dec 2017)
Tax Bill	$1,798 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jun 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20540-000-000`

Property Details

APN / Parcel Number

Primary APN	`20540-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,703 sqft Heated Area
Gross Area	2,297 sqft
1st Floor Area	1,703 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2010
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Porch
Porch Area	594 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	555 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	SUDDUTH'S 1ST ADD LOT 24 BLK 15 ORB 3960 P 450
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	BUNKERS COVE
Legal Block	15
Legal Lot Number	24
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 January 23, 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	555 E 4TH ST, PANAMA CITY, FL 32401-3711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · FHA Mortgage GLOBAL EQUITY FINANCE INC
Jun 11, 2020	Loan Modification, Mortgage · FHA Mortgage M&T BK
Jun 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 4, 2017	Warranty Deed, Transfer · FHA Mortgage CADANCE BANK NA
Feb 17, 2017	Warranty Deed, Transfer OMEGA TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2017 · Amount on Record
Deed Sale	Dec 4, 2017 · Amount on Record
Prior Sale	Feb 17, 2017 · Amount on Record
Deed Document Number	2017069692
Deed Book / Page	3960 / 0450
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	555 E 4TH ST, PANAMA CITY, FL 32401-3711
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	MTI TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 E 4TH ST, PANAMA CITY BEACH, FL 32401-3711

Mortgage

Document Number	0047322165
Date	Sep 21, 2023
Book Page	4732/2165
Instrument	2023060056

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92126

Agreement

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

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	555 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0042811902
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 E 4TH ST PANAMA CITY FL 324013711, PANAMA CITY, FL 32401-3711

Mortgage

Document Number	0042811902
Date	Aug 3, 2020
Book Page	004281/001902
Instrument	50387

Lender

Name	M&T BK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	555 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0042811877
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 E 4TH ST PANAMA CITY FL 324013711, PANAMA CITY, FL 32401-3711

Mortgage

Document Number	0042811877
Date	Aug 3, 2020
Book Page	004281/001877
Instrument	50388

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 4, 2017
Property Address	555 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0039600450
Book / Page	3960 / 0450
Map Reference	MB1 PG30
Instrument Date	Dec 1, 2017
Instrument	2017069692
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INS AGEN NCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1002 W 12TH ST, 1002, PANAMA CITY, FL 32401-2007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 E 4TH ST, PANAMA CITY, FL 32401-3711

Mortgage

Document Number	2017069693
Date	Dec 4, 2017
Instrument	2017069693

Lender

Name	CADANCE BANK NA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2046

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 17, 2017
Property Address	555 E 4TH ST, PANAMA CITY, FL 32401-3711
Document Number	0038750447
Book / Page	003875 / 000447
Instrument Date	Feb 17, 2017
Instrument	9201
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	OMEGA TITLE

Transaction

Amount	Amount Recorded
Tax	$630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	325 N COVE BLVD PANAMA CITY BEACH FL 324013763, PANAMA CITY BEACH, FL 32401-3763

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$1,798.00 (-10.37%) Homeowner's exemption	$155,910 (+5.99%)	$180,183 (+14.32%) Land $21,266 Building $158,917
2023	$2,006.00 (+5.3%) Homeowner's exemption	$147,103 (+3%)	$157,609 (+10.36%) Land $19,600 Building $138,009
2022	$1,905.00 Homeowner's exemption	$142,818 Land $17,150 Building $125,668	$142,818 Land $17,150 Building $125,668

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 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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