1307 E 5th St, Panama City, FL 32401 Property Records

Bay County property record for 1307 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Convenience Store
Details	3,554 sqft · built 1960
Lot Size	0.301 acres (13,155 sqft)
Owner	Owner Name on Record
Last Sale	$425,000 (Mar 2008)
Tax Bill	$2,844 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22206-000-000`

Property Details

APN / Parcel Number

Primary APN	`22206-000-000`

Interior

Total Rooms	2 Rooms
Stories	1 Story
Building Area	3,554 sqft Total Area
1st Floor Area	2,440 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	13,155 sqft (0.301 acres)
Lot Dimensions	107 ft deep x 123 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1307 E 5TH ST
City	PANAMA CITY
State	FL
Zip	32401-4303
Property Category	Commercial
Property Type	Commercial > Retail > Convenience Store
Local Zoning Code	PC09
Legal Description	OLD ORCHARD LOTS 1,2 BLK P ORB 916 P 1665 ORB 2262
Legal Range	14W
Legal Township	04S
Legal Section	10
Legal Subdivision	OLD ORCHARD
Legal Block	P
Legal Lot Number	1,2 2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2059
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	Owner Name on Record
Mailing Address	1307 E 5TH ST, PANAMA CITY, FL 32401-4303
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIDELITY BANK
Jan 28, 2019	Deed of Trust, Mortgage · SBA Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2008 · Amount on Record
Deed Sale	Mar 14, 2008 · Amount on Record
Prior Sale	Apr 9, 2003 · Amount on Record
Deed Document Number	2008015022
Deed Book / Page	3031 / 1957
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1307 E 5TH ST, PANAMA CITY, FL 32401-4303
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040830990
Date	Jan 28, 2019
Book Page	4083/0990
Instrument	2019010341

Lender

Name	FIDELITY BANK
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 17, 2039

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1307 E 5TH ST, PANAMA CITY, FL 32401-4303
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040831024
Date	Jan 28, 2019
Book Page	4083/1024
Instrument	2019010343

Lender

Name	FIDELITY BANK
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	SBA 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	$2,844.00 (-13.95%)	$180,092 (-3.72%) Land $65,776 Building $114,316	$180,092 (-3.72%) Land $65,776 Building $114,316
2024	$3,305.00 (-5.52%)	$187,053 (-3.59%) Land $65,775 Building $121,278	$187,053 (-3.59%) Land $65,775 Building $121,278
2023	$3,498.00 (+12.04%)	$194,011 (+7.5%) Land $65,775 Building $128,236	$194,011 (+7.5%) Land $65,775 Building $128,236
2022	$3,122.00	$180,469 Land $52,620 Building $127,849	$180,469 Land $52,620 Building $127,849

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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	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.

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.

Nearby Properties on E 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures