2909 E 5th Ct, Panama City, FL 32401 Property Records

Bay County property record for 2909 E 5th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1966
Lot Size	0.265 acres (11,543 sqft)
Owner	Individual Name on Record
Tax Bill	$440 (2025)
Deeds & Mortgages	Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23268-000-000`

Property Details

APN / Parcel Number

Primary APN	`23268-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	984 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,543 sqft (0.265 acres)
Lot Dimensions	165 ft deep x 70 ft wide
Driveway	Driveway

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Patio Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2909 E 5TH CT
City	PANAMA CITY
State	FL
Zip	32401-5213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	11 4S 14W -259.1- MAP 118C2 BEG 300 E OF NW COR OF SE1/4 OF NW1/4 OF NW1/4 FOR POB TH S 165 E 70 N 165 W 70 TO POB ORB 4509 P 1910
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

Owner

Source: Bay County records, as of May 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2909 E 5TH CT, PANAMA CITY, FL 32401-5213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 6, 2022
Transfer Doc	0045091910
Record Updated	Jun 8, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Jan 10, 2022
Property Address	2909 E 5TH CT, PANAMA CITY, FL 32401-5213
Document Number	0045091910
Book / Page	4509 / 1910
Instrument Date	Jan 6, 2022
Instrument	2022002306
Transaction Type	Transfer
Record Updated	Jan 27, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 E 5TH CT, PANAMA CITY, FL 32401-5213

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$440.00 (-24.27%) Homeowner's exemption	$58,602 (+5.99%)	$64,853 (+17.29%) Land $23,660 Building $41,193
2024	$581.00 (-3.65%)
2023	$603.00 (+36.12%) Homeowner's exemption	$55,291 (+47.9%) Land $16,016 Building $39,275	$55,291 (+9%) Land $16,016 Building $39,275
2022	$443.00 Homeowner's exemption Widower's exemption	$37,384	$50,727 Land $14,924 Building $35,803

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

Flood

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	Hurricane Helene, Sep 2024 · 2 claims Hurricane Michael, Oct 2018 · 4 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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