1109 E 5th St, Panama City, FL 32401 Property Records

Bay County property record for 1109 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,500 sqft · built 1956
Lot Size	0.825 acres (35,937 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Nov 2018)
Tax Bill	$4,568 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`22223-000-000`

Property Details

APN / Parcel Number

Primary APN	`22223-000-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,500 sqft Heated Area
Gross Area	4,096 sqft
1st Floor Area	2,500 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1966
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	35,937 sqft (0.825 acres)
Lot Dimensions	225 ft deep x 100 ft wide

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Deck Area	260 sqft
Patio Area	260 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1109 E 5TH ST
City	PANAMA CITY
State	FL
Zip	32401-4301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	OLD ORCHARD LOT 6 & PT LOT 1 & PCL LYING BETWEEN WLY LINE OF LOT 6 &
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	OLD ORCHARD
Legal Block	U
Legal Lot Number	1,6 6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2023
Census Tract	1700

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	Individual Name on Record
Mailing Address	1109 E 5TH ST, PANAMA CITY, FL 32401-4301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on Record
Deed Sale	Nov 1, 2018 · Amount on Record
Prior Sale	Dec 30, 2014 · Amount on Record
Deed Document Number	2018062024
Deed Book / Page	4057 / 0524
Record Updated	Jun 8, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 1, 2018
Property Address	1109 E 5TH ST, PANAMA CITY, FL 32401-4301
Document Number	0040570524
Book / Page	004057 / 000524
Instrument Date	Oct 31, 2018
Instrument	62024
Transaction Type	Transfer
Record Updated	Nov 27, 2018
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	$1,330.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 E 5TH ST PANAMA CITY BEACH FL 324014301, PANAMA CITY BEACH, FL 32401-4301

Mortgage

Document Number	40570526
Date	Nov 1, 2018
Book Page	004057/000526
Instrument	62025

Lender

Name	ROBERTSON EILLIAM R LIVING TR
Address	8908 CAPTAINS ROW, ALEXANDRIA, VA 22308-2717

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$4,568.00 (+1.94%)	$307,519 (+7.46%) Land $161,320 Building $146,199	$307,519 (+7.46%) Land $161,320 Building $146,199
2024	$4,481.00 (+6.59%)	$286,167 (+9.59%) Land $148,240 Building $137,927	$286,167 (+9.59%) Land $148,240 Building $137,927
2023	$4,204.00 (+19.77%)	$261,128 (+24.15%) Land $122,080 Building $139,048	$261,128 (+24.15%) Land $122,080 Building $139,048
2022	$3,510.00	$210,329 Land $115,104 Building $95,225	$210,329 Land $115,104 Building $95,225

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (1983–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Oct 2018 · Hurricane Michael

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 99.8% of the US · lower than 99.7% 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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