Bay County property record for 1815 E 5th St, Panama City, FL 32401
| Property Type | Retail Store |
|---|---|
| Details | 1,434 sqft · built 1936 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | Individual Name on File |
| Last Sale | $83,000 (May 2003) |
| Tax Bill | $982 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22777-000-000 |
| Primary APN | 22777-000-000 |
|---|
| Total Rooms | 8 Rooms |
|---|---|
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,434 sqft Gross Area |
| 1st Floor Area | 1,434 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,755 sqft (0.201 acres) |
| Lot Dimensions | 120 ft deep x 73 ft wide |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1815 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4311 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Store |
| Local Zoning Code | PC09 |
| Legal Description | EMMONS ADD MAP 105D2 PART OF LOTS LOTS 8,9 BLK 6 BEG AT THE INTERSECTION OF THE WEST R/W LINE OF MAPLE AVE & THE NORTH R/W OF HWY 98 TH RUN W 73.13 N 119.85 E 72.75 TO THE WEST R/W OF MAPLE TH SOUTH 119.40 TO POB ORB 1854 P 1027 ORB 2276 P 943 ORB 26 |
| 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 |
1815 E 5th St, a commercial property, is owned by an individual who acquired it in March 2005.
Source: Bay County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1612 EVERITT AVE, PANAMA CITY, FL 32405-6335 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2003 · Amount on File |
| Deed Sale | May 9, 2003 · Amount on File |
| Deed Document Number | 200332432 |
| Deed Book / Page | 2276 / 943 |
| Last Transfer Date | Mar 28, 2005 |
| Transfer Doc | 0000047765 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1815 E 5th St was $982, down 12.2% from the year before.
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 | $982.00 (-12.16%) | $62,207 Land $43,778 Building $18,429 | $62,207 Land $43,778 Building $18,429 |
| 2024 | $1,118.00 (-3.2%) | ||
| 2023 | $1,155.00 (+14.24%) | $62,205 (+16.38%) Land $43,777 Building $18,428 | $62,205 (+16.38%) Land $43,777 Building $18,428 |
| 2022 | $1,011.00 | $53,450 Land $35,022 Building $18,428 | $53,450 Land $35,022 Building $18,428 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1815 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.
Wildfire risk around 1815 E 5th St is low, with less than a 0.01% annual chance of wildfire.
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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