Bay County property record for 2225 E 5th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,127 sqft · built 1940 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,036 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22679-000-000 |
| Primary APN | 22679-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,127 sqft Living Area |
| 1st Floor Area | 1,127 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,325 sqft (0.26 acres) |
| Lot Dimensions | 185 ft deep x 129 ft wide |
| Driveway | Driveway |
| Driveway Area | 290 sqft |
| Porch | Open Porch |
| Porch Area | 270 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 2225 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4387 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC09 |
| Legal Description | PINECREST ADD MAP 105D1 LOTS 13,14 & 15 BLK N LESS N 23.8 OF LOT 15 ORB 3571 P 1118 SUB TO BOUNDARY LINE AGREEMENT REC IN ORB 932 P 1006 FINAL JUDGMENT REC IN ORB 3346 P 1913 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | PINECREST ADD |
| Legal Block | N |
| Legal Lot Number | 13,15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 1700 |
Source: Bay County records, as of January 5, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 138 LAKE MERIAL TRL, PANAMA CITY, FL 32409-4518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 13, 2013 |
| Transfer Doc | 0035711118 |
| Record Updated | Sep 20, 2026 |
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 | $1,036.00 (-7.17%) Homeowner's exemption | $90,253 (+10.48%) | $96,781 (+15.74%) Land $61,808 Building $34,973 |
| 2024 | $1,116.00 (+18.35%) | ||
| 2023 | $943.00 (+6.43%) Homeowner's exemption | $81,694 (+17.36%) | $83,616 (+18.67%) Land $61,808 Building $21,808 |
| 2022 | $886.00 Homeowner's exemption | $69,607 | $70,462 Land $50,446 Building $20,016 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 16 (1999–2024) |
| Claims Outside the SFHA | 12 of 16 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 318 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 |
| AT&T Fixed Wireless | 100 / 20 |
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