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

Bay County property record for 602 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,778 sqft · built 1933
Lot Size	0.321 acres (13,982 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,000 (Jul 2026)
Tax Bill	$3,382 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20566-000-000`

Property Details

APN / Parcel Number

Primary APN	`20566-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,778 sqft Living Area
1st Floor Area	1,778 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1983
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,982 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	142 sqft
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	602 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. LOTS 22,23 BLK 17 MAP 105C2 ORB 4708 P 965
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	17
Legal Lot Number	22,23
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4021
Census Tract	1900

Owner

Source: Bay County records, as of August 18, 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	602 E 4TH ST, PANAMA CITY, FL 32401-3714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 11, 2023	Special Warranty Deed, Transfer · Line of Credit FAMILY BANK
Jul 28, 2021	Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Jul 11, 2023 · Amount on Record
Deed Document Number	202644880
Deed Book / Page	5059 / 1647
Prior Transfer Date	Jul 17, 2026
Prior Transfer Doc	0000044880
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 23, 2026
Property Address	602 E 4TH ST, PANAMA CITY, FL 32401-3714
Document Number	0000044880
Book / Page	5059 / 1647
Instrument Date	Jul 17, 2026
Instrument	202644880
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transaction

Amount	Amount Recorded
Tax	$132,209.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 E 4TH ST, PANAMA CITY, FL 32401-3714

Mortgage

Document Number	0000044881,
Date	Jul 23, 2026
Instrument	202644881

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

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

July 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 11, 2023
Property Address	602 E 4TH ST, PANAMA CITY, FL 32401-3714
Document Number	0047080965
Book / Page	4708 / 965
Map Reference	MB 1 PG 30
Instrument Date	Jul 7, 2023
Instrument	2023043019
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	LIGHTHOUSE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 ROWE AVE, PANAMA CITY, FL 32401-4056

Mortgage

Document Number	0047080969
Date	Jul 11, 2023
Book Page	4708/969
Instrument	2023043020

Lender

Name	FAMILY BANK
Type	Bank
Address	PELHAM, GA 31779

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 7, 2024

July 2021: Foreclosure

Document Type	Foreclosure
Jurisdiction	BAY FL
Recording Date	Jul 28, 2021
Property Address	602 E 4TH ST, PANAMA CITY, FL 32401-3714
Document Number	0044391607
Book / Page	4439 / 1607
Instrument Date	Jun 24, 2021
Instrument	2021057614
Transaction Type	Foreclosure
Record Updated	Aug 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,355.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST STE 1A1, 1A1, OKLAHOMA CITY, OK 73107-2448

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	$3,382.00 (+11.29%)	$191,856 (+10.43%)	$201,701 (+16.1%) Land $68,110 Building $133,591
2024	$3,039.00 (+29.93%)	$173,729 (+34.24%) Land $68,110 Building $105,619	$173,729 (+34.24%) Land $68,110 Building $105,619
2023	$2,339.00 (+14.77%)	$129,416 (+12.19%) Land $58,800 Building $70,616	$129,416 (+12.19%) Land $58,800 Building $70,616
2022	$2,038.00	$115,354 Land $51,058 Building $64,296	$115,354 Land $51,058 Building $64,296

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 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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