207 5th St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 207 5th St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,280 sqft · built 2018
Lot Size	0.192 acres (8,364 sqft)
Owner	2 Owner Names on File
Last Sale	$109,000 (Oct 2014)
Tax Bill	$6,659 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04895-000-000`

Property Details

APN / Parcel Number

Primary APN	`04895-000-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,280 sqft Heated Area
Gross Area	2,980 sqft
1st Floor Area	1,230 sqft
2nd Floor Area	1,050 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,364 sqft (0.192 acres)
Lot Dimensions	112 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	792 sqft

Exterior Amenities

Pool Area	300 sqft
Porch	Porch
Porch Area	700 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	207 5TH ST
City	MEXICO BEACH
State	FL
Zip	32456-0198
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB02
Legal Description	MEXICO BEACH UNIT # 12 LOT 4 BLK 6 ORB 3648 P 823
Legal Range	12W
Legal Township	06S
Legal Section	25
Legal Subdivision	MEXICO BEACH
Legal Block	6
Legal Lot Number	4
Legal Unit	12
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1082
Census Tract	600

Owner

The current owner of 207 5th St bought it in October 2014.

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on File
Mailing Address	214 N JACKSON ST, QUINCY, FL 32351-2319

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Aug 3, 2017	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Apr 13, 2018	Loan Modification, Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2014 · Amount on File
Deed Sale	Oct 20, 2014 · Amount on File
Prior Sale	Feb 2, 2004 · Amount on File
Deed Document Number	2014055647
Deed Book / Page	3648 / 0823
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	207 5TH ST, MEXICO BEACH, FL 32456-0198
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 N JACKSON ST, QUINCY, FL 32351-2319

Mortgage

Document Number	0043851378
Date	Apr 1, 2021
Book Page	4385/1378
Instrument	2021024303

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	207 5TH ST, MEXICO BEACH, FL 32456-0198
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039241247
Date	Aug 3, 2017
Book Page	3924/1247
Instrument	2017044158

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	207 5TH ST, MEXICO BEACH, FL 32456-0198
Document Number	0040010263
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	May 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	207 5TH ST MEXICO BEACH FL 324560198, MEXICO BEACH, FL 32456-0198

Mortgage

Document Number	0040010263
Date	Apr 23, 2018
Book Page	004001/000263
Instrument	23891

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 207 5th St was $6,659.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Mexico Beach City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,659.00	$617,373 Land $174,206 Building $443,167	$617,373 Land $174,206 Building $443,167
2023	$5,915.00 (+15.71%)	$536,756 (+17.01%) Land $150,693 Building $386,063	$536,756 (+17.01%) Land $150,693 Building $386,063
2022	$5,112.00	$458,737 Land $104,025 Building $354,712	$458,737 Land $104,025 Building $354,712

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 207 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 378 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	693 units insured incl. 315 condo units
Nearby Flood Claims	914 (1985–2024)
Claims Outside the SFHA	547 of 914
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 581 claims Hurricane Dennis, Jul 2005 · 22 claims Hurricane Opal, Oct 1995 · 195 claims

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

Wildfire risk around 207 5th St is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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	CITY OF MEXICO BEACH serves 5,888 people · EPA ID FL1030467
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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