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

Bay County property record for 609 E 4th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,600 sqft · built 1945
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$47,000 (Jan 1988)
Tax Bill	$501 (2025)
Deeds & Mortgages	Sep 2021 Construction Loan Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20484-000-000`

Property Details

APN / Parcel Number

Primary APN	`20484-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Heated Area
Gross Area	2,044 sqft
1st Floor Area	1,600 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Porch
Porch Area	444 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	609 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	SUDDUTH'S 1ST ADD LOT 3 BLK 11 ORB 1165 P 1286
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	BUNKERS COVE
Legal Block	11
Legal Lot Number	3
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 January 23, 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	609 E 4TH CT, PANAMA CITY, FL 32401-3717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK
Mar 13, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 1988 · Amount on Record
Deed Sale	Jan 7, 1988 · Amount on Record
Deed Document Number	0011651286
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	609 E 4TH CT, PANAMA CITY, FL 32401-3717
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 E 4TH CT, PANAMA CITY, FL 32401-3717

Mortgage

Document Number	0044631743
Date	Sep 23, 2021
Book Page	4463/1743
Instrument	2021072563

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	609 E 4TH CT, PANAMA CITY, FL 32401-3717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042320869
Date	Mar 13, 2020
Book Page	4232/869
Instrument	2020019055

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$501.00 (-27.71%) Homeowner's exemption	$69,951 (+5.99%)	$91,568 (+13.52%) Land $21,266 Building $70,302
2023	$693.00 (-7.48%) Homeowner's exemption	$66,000 (+3%)	$80,663 (+10.86%) Land $19,600 Building $61,063
2022	$749.00 Homeowner's exemption	$64,078	$72,759 Land $17,150 Building $55,609

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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