I’m inspecting a home that has one main panel supplying everything to the house. There is no sub panel. That panel’ neutral and grounds are not bonded. Is this correct? Would the bond be in the city’s meter in this case?
That would be incorrect, and dangerous. The first point of disconnect needs to have them bonded. You may see the GEC coming from the meter, but not the neutral bonding.
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Daniel has you covered. Listen to him. 
Report what you see and refer it out to a qualified electrician.
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Ok, that’s what I thought. I had always seen a sub panel so far and wasn’t sure. Thank you!
Maybe. Tell us more about this home and the electric service. Posting a pic or three goes a long way in helping identify what you actually have.
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I’ve done many exactly like that diagram, and understand that the main is bonded where the sub is not. What was throwing be off is that there is no sub panel on this build. I wasn’t sure if that changed anything since the main had everything on it that a typical sub panel would normally have.
Was there any type of disconnect at the meter??
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Not outside that I saw, and the meter is locked.
Shane, did your three light tester work properly? If it did, that means the neutral and ground are bonded.
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It did as far as testing the outlets inside.
Maybe I’m missing something, but I don’t see a disconnect in your picture. That strongly suggests this is a sub panel. The service disconnect may be behind that locked cover you mentioned. Have a wide picture of the meter box and this panel?
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I don’t have a picture of the meter.
Was the service overhead or underground?
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Underground
There is a separate EGC bus and no main and a separate EGC. Doesn’t sound like a service.
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Robert is correct, this is a 4 wire feed, indicating that it would be a distribution panel. Probably a disconnect at the exterior near meter. In which case, this would be correct.
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HAHA, not sure about that, Larry, but thx! It wasnt long ago that I was asking these same questions! Thats why I love this forum…
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OK, I will be back in that neighborhood next week, and see if if I can get a better look at the meter/etc. now that I have more info from the board here. Thank all of you for your help!