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

Bay County property record for 601 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1990
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (May 2026)
Tax Bill	$1,885 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20483-000-000`

Property Details

APN / Parcel Number

Primary APN	`20483-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Board & Batten
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,969 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Driveway	Driveway
Driveway Area	480 sqft
Porch	Open Porch
Porch Area	56 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	601 E 4TH CT
City	PANAMA CITY
State	FL
Zip	32401-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. LOT 1 BLK 11 ORB 4520 P 1368 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	11
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4023
Census Tract	1900

Owner

Source: Bay County records, as of October 21, 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	601 E 4TH CT, PANAMA CITY, FL 32401-3717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU
May 27, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 27, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Feb 7, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Deed Document Number	202631738
Deed Book / Page	5038 / 1810
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	601 E 4TH CT, PANAMA CITY, FL 32401-3717
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 DETROIT AVE, PANAMA CITY, FL 32401-5351

Mortgage

Document Number	0046361383
Date	Dec 5, 2022
Book Page	4636/1383
Instrument	2022086283

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 2, 2037

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 27, 2026
Property Address	601 E 4TH CT, PANAMA CITY, FL 32401-3717
Document Number	0000031738
Book / Page	5038 / 1810
Instrument Date	May 21, 2026
Instrument	202631738
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	SETCO SERVICES LLC, SETCO SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179,578.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 E 4TH CT, PANAMA CITY, FL 32401-3717

Mortgage

Document Number	0000031739,
Date	May 27, 2026
Instrument	202631739

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 27, 2026
Property Address	601 E 4TH CT, PANAMA CITY, FL 32401-3717
Document Number	0050381810
Book / Page	5038 / 1810
Instrument Date	May 21, 2026
Instrument	202631738
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	SETCO SERVICES LLC, SETCO SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179,578.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 E 4TH CT, PANAMA CITY, FL 32401-3717

Mortgage

Document Number	0000031739,
Date	May 27, 2026
Instrument	202631739

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 7, 2022
Property Address	601 E 4TH CT, PANAMA CITY, FL 32401-3717
Document Number	0045201368
Book / Page	4520 / 1368
Map Reference	MB 1277 PG 974
Instrument Date	Jan 28, 2022
Instrument	2022008784
Transaction Type	Transfer
Record Updated	Feb 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 16494, PANAMA CITY, FL 32406-6494

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	$1,885.00 (+4.14%)	$100,398 (+13.26%) Land $21,266 Building $79,132	$100,398 (+13.26%) Land $21,266 Building $79,132
2024	$1,810.00 (+7.42%)
2023	$1,685.00 (+33.1%)	$88,645 (+67.43%) Land $19,600 Building $69,045	$88,645 (+41.32%) Land $19,600 Building $69,045
2022	$1,266.00 Homeowner's exemption Disabled Person's exemption	$52,943	$62,727 Land $17,150 Building $45,577

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 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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