Bay County property record for 2609 E 5th St, Panama City, FL 32401
| Property Type | Retail Store |
|---|---|
| Details | 5,130 sqft · built 1971 |
| Lot Size | 0.646 acres (28,139 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Jul 2001) |
| Tax Bill | $4,345 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22594-000-000 |
| Primary APN | 22594-000-000 |
|---|
| Total Rooms | 1 Room |
|---|---|
| Units | 3 Units |
| Stories | 1 Story |
| Building Area | 5,130 sqft Gross Area |
| 1st Floor Area | 5,130 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 28,139 sqft (0.646 acres) |
| Lot Dimensions | 197 ft deep x 138 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2609 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5270 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Store |
| Local Zoning Code | PC09 |
| Legal Description | PINECREST ADD LOTS 6,7 & S 57 LOT 5 BLK B ORB 2047 P 1333 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | PINECREST ADD |
| Legal Block | B |
| Legal Lot Number | 6,7,5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1030 |
| 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 File |
|---|---|
| Mailing Address | 2609 E 5TH ST, PANAMA CITY, FL 32401-5270 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2001 · Amount on File |
| Deed Sale | Jul 9, 2001 · Amount on File |
| Deed Document Number | 200136707 |
| Deed Book / Page | 2047 / 1333 |
| Last Transfer Date | Apr 15, 2016 |
| Transfer Doc | 0037870781 |
| Record Updated | Jun 8, 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 | $4,345.00 (-24.76%) | $275,148 (-4.92%) Land $140,737 Building $134,411 | $275,148 (-4.92%) Land $140,737 Building $134,411 |
| 2024 | $5,775.00 (+17.43%) | ||
| 2023 | $4,918.00 (+21.97%) | $289,376 (+19.81%) Land $140,737 Building $148,639 | $289,376 (+19.81%) Land $140,737 Building $148,639 |
| 2022 | $4,032.00 | $241,533 Land $112,589 Building $128,944 | $241,533 Land $112,589 Building $128,944 |
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 File 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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 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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