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

Bay County property record for 807 E 4th St, Panama City, FL 32401

Property Summary

Property TypeCommercial Vacant Land
Details3 bd · 2 ba
Lot Size0.137 acres (5,968 sqft)
OwnerCompany Name on Record
Last Sale$10,000 (Dec 1989)
Tax Bill$24 (2024)
Deeds & MortgagesOct 2021 Transfer
Jun 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN21098-000-000

Property Details

APN / Parcel Number

Primary APN21098-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story

Exterior

Lot Area5,968 sqft (0.137 acres)
Lot Dimensions150 ft deep x 40 ft wide

Location & Zoning

Street Address807 E 4TH ST
CityPANAMA CITY
StateFL
Zip32401
Property CategoryCommercial
Property TypeVacant Land > Commercial
Local Zoning CodePC09
Legal DescriptionSUDDUTHS 4TH ADD. LOT 4 ORB 1257 P 595 BLK 45 MAP 105C1
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionSUDDUTHS 4TH ADD
Legal Block45
Legal Lot Number4
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group4
Census Block4004
Census Tract1900

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 RecordCompany Name on Record
Mailing Address822 E HIGHWAY 98, PANAMA CITY, FL 32401-3630
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Oct 19, 2021Quit Claim Deed, Transfer
Quitclaim
Jun 12, 2019Loan Modification, Mortgage
PEOPLESSOUTH BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 9, 1989 · Amount on Record
Deed SaleDec 9, 1989 · Amount on Record
Deed Document Number0001257595
Record UpdatedJun 8, 2026

October 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateOct 19, 2021
Property Address807 E 4TH ST, PANAMA CITY, FL 32401-3758
Document Number0044750796
Book / Page4475 / 796
Instrument DateSep 21, 2020
Instrument2021080140
Transaction TypeTransfer
Record UpdatedDec 23, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4007 PRINCESS LN, 4007, PANAMA CITY, FL 32405-1241

Transferred To (Grantee/Buyer)

NameVerified Name
Address2319 MOUND AVE, PANAMA CITY, FL 32405-1336

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Recording DateJun 12, 2019
Property Address807 E 4TH ST, PANAMA CITY, FL 32401-3758
Document Number0041331554
Book / Page004133 / 001554
Instrument DateJun 4, 2019
Instrument55170
Transaction TypeMortgage
Record UpdatedJul 12, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address903 E 4TH ST PANAMA CITY BEACH FL 324013760, PANAMA CITY BEACH, FL 32401-3760

Mortgage

Document Number41331554
DateJun 12, 2019
Book Page004133/001554
Instrument55170
Lender
NamePEOPLESSOUTH BK
TypeBank
AddressLYNN HAVEN, FL 32444
Agreement
AmountAmount Recorded
Term36 Months
DueJun 11, 2022

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,148 (-) Land $7,148$7,148 (-) Land $7,148
2024$24.00 (-87.88%)
2023$198.00 (-4.35%) Additional exemption filed$7,148 (-) Land $7,148$7,148 (-) Land $7,148
2022$207.00 Additional exemption filed$7,148 Land $7,148$7,148 Land $7,148

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 28 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies28 in force
Nearby Flood Claims14 (1985–2021)
Claims Outside the SFHA7 of 14
Most Recent ClaimSep 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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.

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