Bay County property record for 3539 E 5th St, Panama City, FL 32401
| Property Type | Public School (Administration, Campus, Dorms, Instruction) |
|---|---|
| Details | 1,800 sqft · built 1985 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | Company Name on Record |
| Deeds & Mortgages | Jan 2020 Line of Credit Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23143-000-000 |
| Primary APN | 23143-000-000 |
|---|
| Total Rooms | 3 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,800 sqft |
| 1st Floor Area | 1,800 sqft |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 4,966 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3539 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5515 |
| Property Category | Public Works |
| Property Type | Public Works > Public School (Administration, Campus, Dorms, Instruction) |
| Legal Description | 11 4S 14W-137-118C1 BEG 740' E OF SW COR OF NW1/4 OF NE1/4 TH N 100' E 50' S 100' W 50' TO |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 1100 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1311 BALBOA AVE, PANAMA CITY, FL 32401-2080 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 31, 2020 | Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU |
| Jan 31, 2020 | Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2003 |
| Deed Sale | May 28, 2003 |
| Deed Document Number | 2003-037033 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3539 E 5TH ST, PANAMA CITY, FL 32401-5515 |
| Document Number | 0042170723 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2023 THOMAS DR PANAMA CITY BEACH FL 324085813, PANAMA CITY BEACH, FL 32408-5813 |
| Document Number | 0042170723 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 004217/000723 |
| Instrument | 8018 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32406 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 30, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3539 E 5TH ST, PANAMA CITY, FL 32401-5515 |
| Document Number | 0042170723 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2023 THOMAS DR PANAMA CITY BEACH FL 324085813, PANAMA CITY BEACH, FL 32408-5813 |
| Document Number | 0042170723 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 004217/000723 |
| Instrument | 8018 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 15529, PANAMA CITY, FL 32406-5529 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 30, 2040 |
| Rate Type | Adjustable Rate |
|---|
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 | Additional exemption filed | $9,828 (-0.03%) Land $9,828 | $9,828 (-0.03%) Land $9,828 |
| 2023 | Additional exemption filed | $9,831 Land $9,831 | $9,831 Land $9,831 |
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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 34 (1980–2022) |
| Claims Outside the SFHA | 31 of 34 |
| Most Recent Claim | Sep 2022 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 | 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 325 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 · Fiber in parts of the area | 100 / 20 |
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