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

Bay County property record for 562 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,380 sqft · built 1934
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$273,500 (Jan 2023)
Tax Bill	$3,036 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20524-000-000`

Property Details

APN / Parcel Number

Primary APN	`20524-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Heated Area
Gross Area	2,352 sqft
1st Floor Area	1,380 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 2014
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	448 sqft
Porch	Porch
Porch Area	144 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	562 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 1 BLK 15 ORB 4650 P 198
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	15
Legal Lot Number	1
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	562 E 4TH CT, PANAMA CITY, FL 32401-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 1, 2020	Warranty Deed, Transfer · VA Mortgage USAA
Mar 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Prior Sale	Apr 1, 2020 · Amount on Record
Deed Document Number	0004650198
Deed Book / Page	4650 / 198
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 20, 2023
Property Address	562 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0046500198
Book / Page	4650 / 198
Map Reference	MB 1 PG 30
Instrument Date	Jan 20, 2023
Instrument	2023003799
Transaction Type	Transfer
Record Updated	Feb 10, 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	$1,914.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	562 E 4TH CT, PANAMA CITY, FL 32401-3716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	562 E 4TH CT, PANAMA CITY, FL 32401-3716
Investor	Possibly a Property Investor

Mortgage

Document Number	0004650200
Date	Jan 20, 2023
Instrument	4650/200

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 1, 2020
Property Address	562 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0042381159
Book / Page	004238 / 001159
Instrument Date	Mar 31, 2020
Instrument	23364
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	562 E 4TH CT PANAMA CITY BEACH FL 324013716, PANAMA CITY BEACH, FL 32401-3716

Mortgage

Document Number	42381161
Date	Apr 1, 2020
Book Page	004238/001161
Instrument	23365

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 28, 2018
Property Address	562 E 4TH CT, PANAMA CITY, FL 32401-3716
Document Number	0039922202
Book / Page	003992 / 002202
Instrument Date	Mar 28, 2018
Instrument	17993
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	ATTORNEY ONLY

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	Husband and Wife
Address	562 E 4TH CT PANAMA CITY FL 324013716, PANAMA CITY, FL 32401-3716

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	$3,036.00 (-1.49%) Homeowner's exemption Widower's exemption	$239,304 (+2.9%)	$245,631 (+5.62%) Land $21,266 Building $224,365
2024	$3,082.00 (+17.59%) Homeowner's exemption Widower's exemption	$232,560 (+28.27%) Land $20,874 Building $211,686	$232,560 (+15.73%) Land $20,874 Building $211,686
2023	$2,621.00 (+4.51%) Homeowner's exemption	$181,311 (+3%)	$200,956 (+7.77%) Land $19,600 Building $181,356
2022	$2,508.00 Homeowner's exemption	$176,030	$186,459 Land $17,150 Building $169,309

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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