Bay County property record for 1903 E 5th St, Panama City, FL 32401
| Property Type | Commercial Vacant Land |
|---|---|
| Lot Size | 0.405 acres (17,685 sqft) |
| Owner | Owner Name on File |
| Last Sale | $100,000 (Jun 2003) |
| Tax Bill | $1,579 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22793-000-000 |
| Primary APN | 22793-000-000 |
|---|
| Total Rooms | 5 Rooms |
|---|---|
| Stories | 1 Story |
| Lot Area | 17,685 sqft (0.405 acres) |
|---|---|
| Lot Dimensions | 122 ft deep x 145 ft wide |
| Fence | Fence |
| Street Address | 1903 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Local Zoning Code | PC09 |
| Legal Description | EMMONS ADD LOTS 10 & 11 LESS COM AT SE COR LOT 10 TH N ALG E LINE OF |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | EMMONS ADD |
| Legal Block | 7 |
| Legal Lot Number | 10,11 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 1700 |
The current owner of 1903 E 5th St bought it in June 2003.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2824 LORADO AVE, PANAMA CITY, FL 32405-6934 |
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 | Jun 10, 2003 · Amount on File |
| Deed Sale | Jun 10, 2003 · Amount on File |
| Prior Sale | Jan 7, 2003 · Amount on File |
| Deed Document Number | 2003-040473 |
| Deed Book / Page | 2290 / 1286 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1903 E 5th St was $1,579.
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 | $1,579.00 | $100,036 Land $88,450 Building $11,586 | $100,036 Land $88,450 Building $11,586 |
| 2023 | $1,662.00 (+17.29%) | $100,036 (+21.48%) Land $88,450 Building $11,586 | $100,036 (+21.48%) Land $88,450 Building $11,586 |
| 2022 | $1,417.00 | $82,346 Land $70,760 Building $11,586 | $82,346 Land $70,760 Building $11,586 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1903 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 1903 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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