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

Bay County property record for 606 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1935
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$128,000 (May 2022)
Tax Bill	$1,198 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20564-000-000`

Property Details

APN / Parcel Number

Primary APN	`20564-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	924 sqft Heated Area
Gross Area	1,176 sqft
1st Floor Area	924 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2015
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

Exterior Amenities

Porch	Porch
Porch Area	12 sqft
Deck Area	168 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	606 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. MAP 105C2 LOT 20 BLK 17 ORB 4561 P 2388
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	17
Legal Lot Number	20
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 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	606 E 4TH ST, PANAMA CITY, FL 32401-3714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 10, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	Jul 17, 2015 · Amount on Record
Deed Document Number	2022035350
Deed Book / Page	4561 / 2388
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	606 E 4TH ST, PANAMA CITY, FL 32401-3714
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 E 4TH ST, PANAMA CITY, FL 32401-3714

Mortgage

Document Number	0046811423
Date	Apr 24, 2023
Book Page	4681/1423
Instrument	2023025028

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 10, 2022
Property Address	606 E 4TH ST, PANAMA CITY, FL 32401-3714
Document Number	0045612388
Book / Page	4561 / 2388
Map Reference	MB 1 PG 30
Instrument Date	Apr 22, 2022
Instrument	2022035350
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$896.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1219 DEWITT ST, 1219, PANAMA CITY, FL 32401-4040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 E 4TH ST, PANAMA CITY, FL 32401-3714

Mortgage

Document Number	0045612390
Date	May 10, 2022
Instrument	4561/2390

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

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	$1,198.00 (-9.45%) Homeowner's exemption	$117,893 (+5.99%)	$136,749 (+22.94%) Land $34,055 Building $102,694
2023	$1,323.00 (-14.04%) Homeowner's exemption	$111,233 (+34.35%) Land $29,400 Building $81,833	$111,233 (+34.35%) Land $29,400 Building $81,833
2022	$1,539.00	$82,796 Land $25,529 Building $57,267	$82,796 Land $25,529 Building $57,267

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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