Bay County property record for 1213 E 5th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,470 sqft · built 1939 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Nov 2004) |
| Tax Bill | $1,634 (2025) |
| Deeds & Mortgages | Dec 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 22213-000-000 |
| Primary APN | 22213-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,470 sqft Living Area |
| 1st Floor Area | 2,470 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 125 ft deep x 120 ft wide |
| Driveway | Driveway |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1213 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD1 |
| Legal Description | OLD ORCHARD LOTS 1 & 2 BLK Q ORB 1204 P 716 ORB 1823 P 389 105D1, D2 ORB 2406 P 1666 ORB 2521 P 2394 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | OLD ORCHARD |
| Legal Block | Q |
| Legal Lot Number | 1,2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 1700 |
Source: Bay County records, as of January 5, 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 | 1213 E 5TH ST, PANAMA CITY, FL 32401-4302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2004 · Amount on Record |
| Deed Sale | Nov 2, 2004 · Amount on Record |
| Deed Document Number | 200484168 |
| Deed Book / Page | 2521 / 2394 |
| Prior Transfer Date | Oct 20, 2004 |
| Prior Transfer Doc | 0000084167 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1213 E 5TH ST, PANAMA CITY, FL 32401-4302 |
| Document Number | 0042350596 |
| Instrument Date | Dec 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1213 E 5TH ST PANAMA CITY BEACH FL 324014302, PANAMA CITY BEACH, FL 32401-4302 |
| Document Number | 0042350596 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 004235/000596 |
| Instrument | 21100 |
| Name | SPECIALIZED LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | HIGHLANDS RANCH, CO 80129 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Rate | 3.87% |
|---|
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,634.00 (-5.22%) Homeowner's exemption | $145,510 (+5.99%) | $205,804 (+13.87%) Land $34,291 Building $171,513 |
| 2024 | $1,724.00 (-5.12%) | ||
| 2023 | $1,817.00 (+9.92%) Homeowner's exemption | $137,290 (+9.1%) | $180,731 (+37%) Land $29,328 Building $151,403 |
| 2022 | $1,653.00 Homeowner's exemption | $125,841 | $131,917 Land $25,944 Building $105,973 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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