Bay County property record for 2226 E 5th St, Panama City, FL 32401
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 10,156 sqft · built 1987 |
| Lot Size | 0.944 acres (41,164 sqft) |
| Owner | Owner Name on File |
| Last Sale | $491,095 (Jun 2012) |
| Tax Bill | $7,981 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22483-000-000 |
| Primary APN | 22483-000-000 |
|---|
| Total Rooms | 5 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 10,156 sqft Total Area |
| 1st Floor Area | 7,990 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Metal |
| Lot Area | 41,164 sqft (0.944 acres) |
| Lot Dimensions | 206 ft deep x 200 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2226 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4384 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | PC09 |
| Legal Description | WELCH ADD LOTS 1,2,3,4 BLK 2 ORB 3421 P 360 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | WELCH ADD |
| Legal Block | 2 |
| Legal Lot Number | 1-4 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 1800 |
The current owner of 2226 E 5th St bought it in June 2012.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 11995 EL CAMINO REAL, SAN DIEGO, CA 92130-2539 |
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 29, 2012 · Amount on File |
| Deed Sale | Jun 29, 2012 · Amount on File |
| Prior Sale | Sep 20, 2005 · Amount on File |
| Deed Document Number | 2012035025 |
| Deed Book / Page | 3421 / 0360 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2226 E 5th St was $7,981.
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 | $7,981.00 | $505,354 Land $185,400 Building $319,954 | $505,354 Land $185,400 Building $319,954 |
| 2023 | $9,134.00 (+11.13%) | $525,085 (+5.48%) Land $185,400 Building $339,685 | $525,085 (+5.48%) Land $185,400 Building $339,685 |
| 2022 | $8,219.00 | $497,790 Land $148,320 Building $349,470 | $497,790 Land $148,320 Building $349,470 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2226 E 5th St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1979.
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 File median of 19 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 units insured incl. 28 condo units |
| Nearby Flood Claims | 19 (1979–2021) |
| Claims Outside the SFHA | 13 of 19 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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.
Wildfire risk around 2226 E 5th St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 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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