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

Bay County property record for 800 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Commercial Office
Details	1,622 sqft · built 1938
Lot Size	0.321 acres (13,982 sqft)
Owner	Company Name on Record
Last Sale	$199,000 (Jun 2021)
Tax Bill	$3,199 (2025)
Deeds & Mortgages	Jun 2021 Sale & Line of Credit Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`21123-000-000`

Property Details

APN / Parcel Number

Primary APN	`21123-000-000`

Interior

Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,622 sqft Gross Area
1st Floor Area	1,622 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,982 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	800 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3759
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC09
Legal Description	SUDDUTHS 4TH ADD LOTS 1,2 ORB 577 P 539 BLK 49 ORB 4421 P 2322 MAP 105C1
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 4TH ADD
Legal Block	49
Legal Lot Number	1,2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4012
Census Tract	1900

Owner

Source: Bay County records, as of October 12, 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	800 E 4TH ST, PANAMA CITY, FL 32401-3759
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Warranty Deed, Transfer · Line of Credit INNOVATIONS FCU
Aug 5, 2019	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2021 · Amount on Record
Deed Sale	Jun 18, 2021 · Amount on Record
Prior Sale	Aug 5, 2019 · Amount on Record
Deed Document Number	202146282
Deed Book / Page	4421 / 2322
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 18, 2021
Property Address	800 E 4TH ST, PANAMA CITY, FL 32401-3759
Document Number	0044212322
Book / Page	4421 / 2322
Map Reference	MB 1 PG 72
Instrument Date	Jun 15, 2021
Instrument	2021046282
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1991 HORNS CREEK RD, 1991, OCOEE, TN 37361-3217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 E 4TH ST, PANAMA CITY, FL 32401-3759

Mortgage

Document Number	44212324
Date	Jun 18, 2021
Instrument	4421/2324

Lender

Name	INNOVATIONS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2036

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 5, 2019
Property Address	800 E 4TH ST, PANAMA CITY, FL 32401-3759
Document Number	0041522223
Book / Page	004152 / 002223
Instrument Date	Aug 5, 2019
Instrument	70409
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$448.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 E GULF BEACH DR ST GEORGE ISLAND FL 323283034, ST GEORGE ISLAND, FL 32328-3034

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	$3,199.00 (-5.07%)	$202,575 (%) Land $70,000 Building $132,575	$202,575 (%) Land $70,000 Building $132,575
2024	$3,370.00 (-8.12%)	$202,576 (-0.66%) Land $70,000 Building $132,576	$202,576 (-0.66%) Land $70,000 Building $132,576
2023	$3,668.00 (+11.22%)	$203,930 (+6.61%) Land $70,000 Building $133,930	$203,930 (+6.61%) Land $70,000 Building $133,930
2022	$3,298.00	$191,283 Land $56,000 Building $135,283	$191,283 Land $56,000 Building $135,283

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 437 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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