3703 E 5th St, Panama City, FL 32401 Property Records

Bay County property record for 3703 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 962 sqft · built 1954
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on Record
Tax Bill	$742 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23107-000-000`

Property Details

APN / Parcel Number

Primary APN	`23107-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	962 sqft Living Area
1st Floor Area	962 sqft
Flooring	Tile
Interior Walls	Plywood

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3703 E 5TH ST
City	PANAMA CITY
State	FL
Zip	32401-5519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 4S 14W-104-118C1 BEG 50 E OF SW COR OF NE1/4 OF NE1/4 TH E 75 N 150 W 75 S 150FT TO BEG ORB 3989 P 410
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

Owner

Source: Bay County records, as of October 9, 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	3603 E 5TH ST, PANAMA CITY, FL 32401-5517
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 9, 2024
Transfer Doc	0048481624
Record Updated	Oct 29, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 16, 2018
Property Address	3703 E 5TH ST, PANAMA CITY, FL 32401-5519
Document Number	0039890410
Book / Page	003989 / 000410
Instrument Date	Mar 15, 2018
Instrument	15338
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7030 BENTON DR PANAMA CITY FL 324044918, PANAMA CITY, FL 32404-4918

Mortgage

Document Number	39890413
Date	Mar 16, 2018
Book Page	003989/000413
Instrument	15339

Lender

Name	WILLIAM D JR & FRANCES C DICKENS
Address	2806 WOODMERE DR, PANAMA CITY, FL 32405-4384

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$742.00 (-12.4%)	$46,002 (+13.03%)	$48,391 (+18.9%) Land $18,900 Building $29,491
2024	$847.00 (+7.76%)
2023	$786.00 (+27.18%)	$40,698 (+34.18%) Land $12,600 Building $28,098	$40,698 (+34.18%) Land $12,600 Building $28,098
2022	$618.00	$30,330 Land $11,340 Building $18,990	$30,330 Land $11,340 Building $18,990

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
Nearest Special Flood Hazard Area	Zone A, within 100 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	Hurricane Michael, Oct 2018 · 6 claims Severe Storms And Flooding, Jul 2013 · 2 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 93% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 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
T-Mobile Fixed Wireless	100 / 20