3735 E 5th St, Panama City, FL 32401 Property Records

Bay County property record for 3735 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,860 sqft · built 1970
Lot Size	2.67 acres (116,392 sqft)
Owner	Individual Name on Record
Tax Bill	$1,414 (2025)
Deeds & Mortgages	Jun 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23027-000-000`

Property Details

APN / Parcel Number

Primary APN	`23027-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,860 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	1,860 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	116,392 sqft (2.67 acres)
Lot Dimensions	450 ft deep x 250 ft wide
Garage Type	Attached
Garage Area	780 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3735 E 5TH ST
City	PANAMA CITY
State	FL
Zip	32401-5575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 4S 14W-25-118C1 BEG 1063 S OF NE COR TH S 250 W 450 N 350 E 150 S 24 E 110S 76 E 190 TO BEG LESS RW LESS -25.1- **AND*** 11 4S 14W-28-118C1 BEG 855 S & 273 W OF NE COR TH S 104 W 156 N 104 E 156 TO POB LESS RD R/W OFF N & E SIDES ORB 2892 P 98
Legal Range	14W
Legal Township	04S
Legal Section	11
Legal Subdivision	HIGH ACRE ESTATES
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2027
Census Tract	1100

Owner

Source: Bay County records, as of January 5, 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	3735 E 5TH ST, PANAMA CITY, FL 32401-5575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 15, 2008
Transfer Doc	0030890014
Record Updated	Jun 8, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 27, 2018
Property Address	3735 E 5TH ST, PANAMA CITY, FL 32401-5575
Document Number	0040212149
Book / Page	004021 / 002149
Instrument Date	Jun 27, 2018
Instrument	38024
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3735 E 5TH ST PANAMA CITY BEACH FL 324015575, PANAMA CITY BEACH, FL 32401-5575

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	$1,414.00 (-17.55%) Homeowner's exemption Additional exemption filed	$164,446 (+5.99%)	$227,377 (+24.35%) Land $102,472 Building $124,905
2024	$1,715.00 (+4.07%)
2023	$1,648.00 (+12.41%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$155,156 (+5.74%)	$182,848 (+17.71%) Land $64,258 Building $118,590
2022	$1,466.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$146,738	$155,335 Land $55,539 Building $99,796

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1991–2021)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 3 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