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

Bay County property record for 6 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Restaurant
Details	3,265 sqft · built 1930
Lot Size	0.071 acres (3,136 sqft)
Owner	Company Name on File
Tax Bill	$3,478 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Apr 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19620-000-000`

Property Details

APN / Parcel Number

Primary APN	`19620-000-000`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,265 sqft Total Area
1st Floor Area	2,295 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Steel Frame/Truss
Roof Material	Built-Up Asphalt
Lot Area	3,136 sqft (0.071 acres)
Lot Dimensions	63 ft deep x 50 ft wide
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Forced Air

Location & Zoning

Street Address	6 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3107
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	PC10
Legal Description	GCD PLAT LOTS LOTS 2,3 F A BLACK BLK 8 SUBDIV OF LOT 8
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	GCD PLAT
Legal Block	8
Legal Lot Number	2,3,8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1084
Census Tract	2000

Owner

6 E 4th St, a commercial property, is owned by a company that acquired it in April 2018.

Source: Bay County records, as of January 23, 2026

Owner of Record	Company Name on File
Mailing Address	653 W 23RD ST, PANAMA CITY, FL 32405-3922
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU
Apr 25, 2018	Warranty Deed, Transfer
Mar 9, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2018
Deed Sale	Apr 25, 2018
Prior Sale	Aug 27, 2004 · Amount on File
Deed Document Number	0004002333
Deed Book / Page	4002 / 333
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	6 E 4TH ST, PANAMA CITY, FL 32401-3107
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 W 23RD ST 295, 295, PANAMA CITY, FL 32405-3922

Mortgage

Document Number	0043531737
Date	Jan 21, 2021
Book Page	4353/1737
Instrument	2021004685

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 21, 2036

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 25, 2018
Property Address	6 E 4TH ST, PANAMA CITY, FL 32401-3107
Document Number	0040020333
Book / Page	004002 / 000333
Instrument Date	Apr 25, 2018
Instrument	24567
Transaction Type	Transfer
Record Updated	May 18, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	653 W 23RD ST #295 PANAMA CITY FL 324053922, 295, PANAMA CITY, FL 32405-3922

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BAY FL
Recording Date	Mar 9, 2018
Property Address	6 E 4TH ST, PANAMA CITY, FL 32401-3107
Document Number	0039870418
Book / Page	003987 / 000418
Instrument Date	Mar 9, 2018
Instrument	13838
Transaction Type	Foreclosure
Record Updated	May 18, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 W 33RD ST PANAMA CITY FL 324051920, PANAMA CITY, FL 32405-1920

Tax Assessment & Valuation

The 2025 property tax bill for 6 E 4th St was $3,478.

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	$3,478.00	$185,093 Land $36,540 Building $148,553	$185,093 Land $36,540 Building $148,553
2023	$4,007.00 (+13.71%)	$189,758 (+7.07%) Land $36,540 Building $153,218	$189,758 (+7.07%) Land $36,540 Building $153,218
2022	$3,524.00	$177,226 Land $31,500 Building $145,726	$177,226 Land $31,500 Building $145,726

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6 E 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 47 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	93 (1984–2020)
Claims Outside the SFHA	64 of 93
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 23 claims Hurricane Dennis, Jul 2005 · 6 claims Hurricane Opal, Oct 1995 · 39 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

The area around 6 E 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon, WOW Internet, Cable & Phone.

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