3709 E 5th St, Panama City, FL 32401 Property Records

Bay County property record for 3709 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 816 sqft · built 1972
Lot Size	0.521 acres (22,738 sqft)
Owner	2 Individual Names on File
Tax Bill	$993 (2025)
Deeds & Mortgages	Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23105-000-000`

Property Details

APN / Parcel Number

Primary APN	`23105-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	816 sqft Heated Area
Gross Area	1,522 sqft
1st Floor Area	816 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,738 sqft (0.521 acres)
Lot Dimensions	150 ft deep x 60 ft wide

Exterior Amenities

Porch	Porch
Porch Area	406 sqft
Deck Area	140 sqft
Patio Area	140 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Street Address	3709 E 5TH ST
City	PANAMA CITY
State	FL
Zip	32401-5519
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	11 4S 14W-102-118C1 BEG 190' E OF SW COR OF NE1/4 OF NE1/4 TH E 60' N 288' W 100'S 138' E 40
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

3709 E 5th St, a mobile home, is owned by two individuals who acquired it in February 2017.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	766 PLATEAU CIR, ALFORD, FL 32420-6164
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 16, 2017
Transfer Doc	0038741803
Record Updated	Jun 8, 2026

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 16, 2017
Property Address	3709 E 5TH ST, PANAMA CITY, FL 32401-5519
Document Number	0038741803
Book / Page	003874 / 001803
Instrument Date	Feb 16, 2017
Instrument	8866
Transaction Type	Transfer
Record Updated	May 9, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1424 W PARK LN CALLAWAY FL 324049653, CALLAWAY, FL 32404-9653

Tax Assessment & Valuation

The 2025 property tax bill for 3709 E 5th St was $993.

Source: Bay County assessment roll, as of July 1, 2025

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	$993.00	$62,630 Land $47,400 Building $15,230	$62,630 Land $47,400 Building $15,230
2023	$151.00 (+0.67%) Homeowner's exemption	$19,219 (+3%)	$37,570 (+11.06%) Land $31,600 Building $5,970
2022	$150.00 Homeowner's exemption	$18,659	$33,830 Land $28,440 Building $5,390

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

Flood

FEMA maps place 3709 E 5th St in Zone X, an area of minimal flood risk, within 100 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 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

Wildfire risk around 3709 E 5th St 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 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