Bay County property record for 3804 E 5th St, Panama City, FL 32401
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,170 sqft · built 2024 |
| Lot Size | 0.523 acres (22,825 sqft) |
| Owner | Individual Name on File |
| Last Sale | $35,000 (Oct 2015) |
| Tax Bill | $1,830 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 23554-000-000 |
| Primary APN | 23554-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,170 sqft Heated Area |
| 1st Floor Area | 868 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,825 sqft (0.523 acres) |
| Lot Dimensions | 269 ft deep x 85 ft wide |
| Deck Area | 180 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3804 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5522 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | SPRINGFIELD HTS REPLAT LOT 10 & LOT 9 LESS THAT PART LYING EAST OF DITCH (9.01) |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Subdivision | SPRINGFIELD |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 1000 |
3804 E 5th St, a mobile home, is owned and occupied by an individual who bought it in October 2015.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3804 E 5TH ST, PANAMA CITY, FL 32401-5522 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 27, 2015 · Amount on File |
| Deed Sale | Oct 27, 2015 · Amount on File |
| Deed Document Number | 2015059365 |
| Deed Book / Page | 3744 / 1466 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3804 E 5th St was $1,830, up 264.5% from the year before.
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 | $1,830.00 (+264.54%) | $118,663 (+362.71%) Land $28,815 Building $89,848 | $118,663 (+362.71%) Land $28,815 Building $89,848 |
| 2024 | $502.00 (+11.06%) | $25,645 (+33.5%) Land $25,645 | $25,645 (+33.5%) Land $25,645 |
| 2023 | $452.00 (+11.33%) | $19,210 (+11.11%) Land $19,210 | $19,210 (+11.11%) Land $19,210 |
| 2022 | $406.00 | $17,289 Land $17,289 | $17,289 Land $17,289 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3804 E 5th St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2016 · river or lake flooding |
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 3804 E 5th St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 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 |
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