Bay County property record for 3609 E 5th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,184 sqft · built 1962 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | Individual Name on File |
| Last Sale | $30,000 (Jan 2021) |
| Tax Bill | $1,043 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Line of Credit Oct 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 23137-000-000 |
| Primary APN | 23137-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,184 sqft Living Area |
| 1st Floor Area | 1,184 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plywood |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,407 sqft (0.193 acres) |
| Lot Dimensions | 132 ft deep x 64 ft wide |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 56 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3609 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11 4S 14W-131-118C1 BEG 25 N OF SE COR OF NW1/4 OF NE1/4 TH W 64 N 132 E 64 S 132 TO POB ORB 4356 P 801 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 1100 |
3609 E 5th St is owned by an individual who bought it in January 2021.
Source: Bay County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7030 BENTON DR, PANAMA CITY, FL 32404-4918 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 28, 2021 | Warranty Deed, Transfer · Line of Credit DICKENS FAMILY TRUST |
| Oct 1, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2021 · Amount on File |
| Deed Sale | Jan 28, 2021 · Amount on File |
| Prior Sale | Oct 1, 2018 · Amount on File |
| Deed Document Number | 20216442 |
| Deed Book / Page | 4356 / 801 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 28, 2021 |
| Property Address | 3609 E 5TH ST, PANAMA CITY, FL 32401-5517 |
| Document Number | 0043560801 |
| Book / Page | 4356 / 801 |
| Instrument Date | Jan 27, 2021 |
| Instrument | 2021006442 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7030 BENTON DR, 7030, PANAMA CITY, FL 32404-4918 |
| Name | Verified Name |
|---|---|
| Address | 7030 BENTON DR, PANAMA CITY, FL 32404-4918 |
| Document Number | 0004356803 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 4356/803 |
| Name | DICKENS FAMILY TRUST |
|---|---|
| Type | Private Party |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 50 Months |
| Due | Mar 1, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 1, 2018 |
| Property Address | 3609 E 5TH ST, PANAMA CITY, FL 32401-5517 |
| Document Number | 0040521906 |
| Book / Page | 004052 / 001906 |
| Instrument Date | Sep 27, 2018 |
| Instrument | 58958 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $171.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 72 MILL ST GAHANNA OH 432303012, GAHANNA, OH 43230-3012 |
The 2025 property tax bill for 3609 E 5th St was $1,043, down 9.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,043.00 (-9.46%) | $65,812 Land $18,432 Building $47,380 | $65,812 Land $18,432 Building $47,380 |
| 2024 | $1,152.00 (+5.4%) | ||
| 2023 | $1,093.00 (+14.33%) | $57,376 (+11.08%) Land $12,288 Building $45,088 | $57,376 (+11.08%) Land $12,288 Building $45,088 |
| 2022 | $956.00 | $51,654 Land $11,059 Building $40,595 | $51,654 Land $11,059 Building $40,595 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3609 E 5th St 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 |
| 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.
Wildfire risk around 3609 E 5th St is low, with less than a 0.01% annual chance of wildfire.
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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