Bay County property record for 3530 E 13th Ct, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1945 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $158 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15125-000-000 |
| Primary APN | 15125-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 896 sqft Heated Area |
| Gross Area | 1,502 sqft |
| 1st Floor Area | 896 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 200 ft deep x 60 ft wide |
| Garage Type | Carport |
| Garage Area | 480 sqft |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 326 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3530 E 13TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-5823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRINGFIELD FARMS 118A2 LOT 14 BLK 5 ORB 668 P 800 ORB 1836 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Legal Subdivision | SPRINGFIELD FARMS |
| Legal Block | 5 |
| Legal Lot Number | 14 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 1100 |
The current owner of 3530 E 13th Ct acquired it in April 2005.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 3530 E 13TH CT, PANAMA CITY, FL 32404-5823 |
| Occupancy | Owner Occupied |
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 | Apr 28, 2005 |
| Deed Sale | Apr 28, 2005 |
| Deed Document Number | 2005-032966 |
| Deed Book / Page | 2600 / 1727 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3530 E 13th Ct was $158 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $158.00 Homeowner's exemption | $34,965 | $70,577 Land $25,596 Building $44,981 |
| 2023 | $306.00 (+8.51%) Homeowner's exemption | $32,990 (+3%) | $61,588 (+14.22%) Land $20,736 Building $40,852 |
| 2022 | $282.00 Homeowner's exemption | $32,029 | $53,920 Land $16,718 Building $37,202 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3530 E 13th Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 18 (1998–2021) |
| Claims Outside the SFHA | 10 of 18 |
| 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 3530 E 13th Ct is low, with a 0.03% annual chance of wildfire.
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 | 0.03% 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 | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 244 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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