Bay County property record for 1813 E 5th St, Panama City, FL 32401
| Property Type | Mixed Use Store/Office |
|---|---|
| Details | 1,000 sqft · built 1960 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,480 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 22778-000-000 |
| Primary APN | 22778-000-000 |
|---|
| Total Rooms | 3 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,000 sqft Gross Area |
| 1st Floor Area | 1,000 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 27,878 sqft (0.64 acres) |
| Lot Dimensions | 120 ft deep x 72 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1813 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4311 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Mixed Use Store/Office |
| Local Zoning Code | PC09 |
| Legal Description | EMMONS ADD MAP 105D2 LOTS 8,9 BLK 6 LESS THE ELY 73 ORB 4652 P 1174 ******AND******* E 50 OF W 100 LOT 10 & W1/2 LOT 11 BLK 6 ORB 4638 P 822 *****AND******** E 62.5 LOT 10 & E 82.5 OF LOTS 11 & 12 BLK 6 ORB 4652 P 1174 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | EMMONS ADD |
| Legal Block | 6 |
| Legal Lot Number | 8,9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 1700 |
Source: Bay County records, as of January 20, 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 | 2307 E 10TH ST, PANAMA CITY, FL 32401-4502 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 30, 2023 |
| Transfer Doc | 0000005538 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1813 E 5TH ST, PANAMA CITY, FL 32401-4311 |
| Document Number | 0040652334 |
| Instrument Date | Nov 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 227 N FOX AVE CALLAWAY FL 324047621, CALLAWAY, FL 32404-7621 |
| Document Number | 0040652334 |
|---|---|
| Date | Dec 4, 2018 |
| Book Page | 004065/002334 |
| Instrument | 71076 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 3, 2048 |
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 | $1,480.00 (-7.62%) | $93,710 (+%) Land $78,231 Building $15,479 | $93,710 (+%) Land $78,231 Building $15,479 |
| 2024 | $1,602.00 (-3.78%) | ||
| 2023 | $1,665.00 (+72.36%) | $93,708 (+88.29%) Land $78,230 Building $15,478 | $93,708 (+88.29%) Land $78,230 Building $15,478 |
| 2022 | $966.00 | $49,767 Land $34,499 Building $15,268 | $49,767 Land $34,499 Building $15,268 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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.
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 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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