Bay County property record for 1201 E 5th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,548 sqft · built 1939 |
| Lot Size | 0.682 acres (29,751 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $163,600 (Dec 2005) |
| Tax Bill | $1,987 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22214-000-000 |
| Primary APN | 22214-000-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,548 sqft Heated Area |
| Gross Area | 3,788 sqft |
| 1st Floor Area | 2,881 sqft |
| 2nd Floor Area | 195 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 29,751 sqft (0.682 acres) |
| Lot Dimensions | 248 ft deep x 120 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | Deck Area |
| Patio Area | 570 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1201 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD ORCHARD LOTS 3,4,5 & 6 BLK Q ORB 1714 P 355 ORB 2716 P 572 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | OLD ORCHARD |
| Legal Block | Q |
| Legal Lot Number | 3-6 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 1700 |
The current owner of 1201 E 5th St bought it in December 2005.
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1201 E 5TH ST, PANAMA CITY, FL 32401-4302 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2005 · Amount on File |
| Deed Sale | Dec 19, 2005 · Amount on File |
| Deed Document Number | 2005-098405 |
| Deed Book / Page | 2716 / 0572 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1201 E 5TH ST, PANAMA CITY, FL 32401-4302 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1201 E 5TH ST, PANAMA CITY, FL 32401-4302 |
| Document Number | 0044091276 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 4409/1276 |
| Instrument | 2021038720 |
| Name | CENTRAL CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32522 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1201 E 5th St was $1,987 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,987.00 Homeowner's exemption | $167,892 | $227,774 Land $40,493 Building $187,281 |
| 2023 | $2,222.00 (+8.13%) Homeowner's exemption | $158,408 (+3%) | $197,052 (+10.32%) Land $34,632 Building $162,420 |
| 2022 | $2,055.00 Homeowner's exemption | $153,794 | $178,613 Land $30,636 Building $147,977 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1201 E 5th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| 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.
The area around 1201 E 5th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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