Bay County property record for 2907 E 5th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,849 sqft · built 1946 |
| Lot Size | 0.353 acres (15,376 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $26,000 (Jun 2019) |
| Tax Bill | $1,277 (2025) |
| Deeds & Mortgages | Dec 2021 Re-recorded Document Jun 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 23285-010-000 |
| Primary APN | 23285-010-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,849 sqft Living Area |
| 1st Floor Area | 1,653 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 15,376 sqft (0.353 acres) |
| Lot Dimensions | 171 ft deep x 90 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 558 sqft |
| Deck Area | Deck Area |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2907 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC09 |
| Legal Description | 11 4S 14W -276.1- BEG 384 W OF SE COR OF SE1/4 OF NW1/4 OF NW1/4 FOR POB TH W 90 N 171 E 90 S 171 M/L TO POB ORB 4493 P 653 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 1700 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2905 E 5TH ST, PANAMA CITY, FL 32401-5209 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2021 | Re-recorded Document ATTORNEY ONLY, ATTORNEY |
| Jun 6, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2019 · Amount on Record |
| Deed Sale | Jun 6, 2019 · Amount on Record |
| Prior Sale | Apr 1, 2016 · Amount on Record |
| Deed Document Number | 201953501 |
| Deed Book / Page | 4131 / 1543 |
| Prior Transfer Date | Aug 19, 2016 |
| Prior Transfer Doc | 0041311543 |
| Record Updated | Sep 20, 2026 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 1, 2021 |
| Property Address | 2907 E 5TH ST, PANAMA CITY, FL 32401-5209 |
| Document Number | 0044930653 |
| Book / Page | 4493 / 653 |
| Instrument Date | Dec 1, 2021 |
| Instrument | 2021091309 |
| Record Updated | Feb 7, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 2907 E 5TH ST, PANAMA CITY, FL 32401-5209 |
| Name | Verified Name |
|---|---|
| Address | 2905 E 5TH ST, PANAMA CITY, FL 32401-5209 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 6, 2019 |
| Property Address | 2907 E 5TH ST, PANAMA CITY, FL 32401-5209 |
| Document Number | 0041311543 |
| Book / Page | 004131 / 001543 |
| Instrument Date | Aug 19, 2016 |
| Instrument | 53501 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2907 E 5TH ST PANAMA CITY FL 324015209, PANAMA CITY, FL 32401-5209 |
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 | $1,277.00 (-12.41%) | $78,192 (+0.11%) | $86,127 (+10.27%) Land $30,420 Building $55,707 |
| 2024 | $1,458.00 (+8.16%) | $78,106 (+4.52%) Land $24,991 Building $53,115 | $78,106 (+4.52%) Land $24,991 Building $53,115 |
| 2023 | $1,348.00 (+17.12%) | $74,728 (+27.2%) Land $20,592 Building $54,136 | $74,728 (+27.2%) Land $20,592 Building $54,136 |
| 2022 | $1,151.00 | $58,747 Land $19,188 Building $39,559 | $58,747 Land $19,188 Building $39,559 |
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 95% of the US · lower than 95% 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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