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

Bay County property record for 916 E 4th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 1992
Lot Size	0.142 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jun 2020)
Tax Bill	$1,429 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21161-000-000`

Property Details

APN / Parcel Number

Primary APN	`21161-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,228 sqft Heated Area
Gross Area	1,456 sqft
1st Floor Area	710 sqft
2nd Floor Area	264 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2012
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,229 sqft (0.142 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Area	247 sqft
Driveway	Driveway
Driveway Area	176 sqft
Patio Area	120 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	916 E 4TH ST
City	PANAMA CITY
State	FL
Zip	32401-3761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 4TH ADD N 125' LOT 6 BLK 51 ORB 4264 P 1719
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 4TH ADD
Legal Block	51
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4013
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	916 E 4TH ST, PANAMA CITY, FL 32401-3761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2020 · Amount on Record
Deed Sale	Jun 22, 2020 · Amount on Record
Prior Sale	Nov 16, 2016 · Amount on Record
Deed Document Number	2020040118
Deed Book / Page	4264 / 1719
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 22, 2020
Property Address	916 E 4TH ST, PANAMA CITY, FL 32401-3761
Document Number	0042641719
Book / Page	004264 / 001719
Instrument Date	Jun 19, 2020
Instrument	40118
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	916 E 4TH ST PANAMA CITY BEACH FL 324013761, PANAMA CITY BEACH, FL 32401-3761

Mortgage

Document Number	42641721
Date	Jun 22, 2020
Book Page	004264/001721
Instrument	40119

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

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	$1,429.00 (-13.6%) Homeowner's exemption	$132,531 (+5.99%)	$195,556 (+19.2%) Land $32,665 Building $162,891
2023	$1,654.00 (+2.1%) Homeowner's exemption	$125,045 (+3%)	$164,052 (+9.22%) Land $28,200 Building $135,852
2022	$1,620.00 Homeowner's exemption	$121,403	$150,197 Land $24,487 Building $125,710

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 99.1% of the US · lower than 98.7% 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.

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