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

Bay County property record for 721 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Commercial Office
Details	3 bd · 2 ba · 2,127 sqft · built 1937
Lot Size	0.258 acres (11,238 sqft)
Owner	Company Name on Record
Last Sale	$152,000 (Sep 2017)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Dec 2019 Loan Modification Sep 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20786-000-000`

Property Details

APN / Parcel Number

Primary APN	`20786-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	2,127 sqft Gross Area
1st Floor Area	1,965 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Porch	Florida Room
Porch Area	324 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	721 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3756
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC09
Legal Description	SUDDUTHS 1ST ADD LOT 6 & E1/2 LOT 5 BLK 40 ORB 3939 P 474 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	40
Legal Lot Number	6,5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4005
Census Tract	1900

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	714 E 4TH ST, PANAMA CITY, FL 32401-3757
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2019	Loan Modification, Mortgage · Conventional with PMI US SMALL BUSINESS ADMINISTRATI
Sep 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2017 · Amount on Record
Deed Sale	Sep 22, 2017 · Amount on Record
Prior Sale	Sep 2, 2010 · Amount on Record
Deed Document Number	201754499
Deed Book / Page	3939 / 474
Prior Transfer Date	Sep 12, 2017
Prior Transfer Doc	0039390474
Record Updated	Oct 29, 2026

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	721 E 4TH ST, PANAMA CITY, FL 32401-3756
Document Number	0041980765
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 190 PANAMA CITY FL 324020190, PANAMA CITY, FL 32402-0190

Mortgage

Document Number	0041980765
Date	Dec 5, 2019
Book Page	004198/000765
Instrument	103865

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 22, 2017
Property Address	721 E 4TH ST, PANAMA CITY, FL 32401-3756
Document Number	0039390474
Book / Page	003939 / 000474
Instrument Date	Sep 12, 2017
Instrument	54499
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	714 E 4TH ST PANAMA CITY BEACH FL 324013757, PANAMA CITY BEACH, FL 32401-3757

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	$1,591.00 (-16.88%)	$100,784 (-6.59%) Land $56,250 Building $44,534	$100,784 (-6.59%) Land $56,250 Building $44,534
2024	$1,914.00 (-5.01%)
2023	$2,015.00 (+8.04%)	$107,896 (+2.58%) Land $56,250 Building $51,646	$107,896 (+2.58%) Land $56,250 Building $51,646
2022	$1,865.00	$105,178 Land $45,000 Building $60,178	$105,178 Land $45,000 Building $60,178

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on E 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures