401 5th St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 401 5th St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,958 sqft · built 1991
Lot Size	0.362 acres (15,768 sqft)
Owner	2 Individual Names on File
Last Sale	$261,000 (Apr 2019)
Tax Bill	$4,653 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04973-002-010`

Property Details

APN / Parcel Number

Primary APN	`04973-002-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,958 sqft Living Area
1st Floor Area	1,598 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2018
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	15,768 sqft (0.362 acres)
Lot Dimensions	158 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Driveway	Driveway
Driveway Area	992 sqft
Porch	Florida Room
Porch Area	636 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 5TH ST
City	MEXICO BEACH
State	FL
Zip	32456-7002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB01
Legal Description	MEXICO BEACH UNIT 14 LOT 1 BLK A ORB 4116 P 368
Legal Range	12W
Legal Township	06S
Legal Section	25
Legal Subdivision	MEXICO BEACH
Legal Block	A
Legal Lot Number	1
Legal Unit	14
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1075
Census Tract	600

Owner

401 5th St is owned and occupied by two individuals who bought it in April 2019.

Source: Bay County records, as of January 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 5TH ST, MEXICO BEACH, FL 32456-7002
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 25, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 9, 2019	Grant Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2019 · Amount on File
Deed Sale	Apr 25, 2019 · Amount on File
Prior Sale	Jan 9, 2019 · Amount on File
Deed Document Number	201941208
Deed Book / Page	4116 / 368
Prior Transfer Date	Aug 29, 2013
Prior Transfer Doc	0035450938
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	401 5TH ST, MEXICO BEACH, FL 32456-7002
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 S MILLEDGE AVE 2, 2, ATHENS, GA 30605-1349

Mortgage

Document Number	0044310694
Date	Jul 8, 2021
Book Page	4431/694
Instrument	2021052191

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 25, 2019
Property Address	401 5TH ST, MEXICO BEACH, FL 32456-7002
Document Number	0041160368
Book / Page	4116 / 0368
Map Reference	MB 11 PG 15
Instrument Date	Apr 18, 2019
Instrument	2019041208
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,827.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 LIVE OAK LN, COMER, GA 30629-3268

Mortgage

Document Number	2019041209
Date	Apr 25, 2019
Instrument	2019041209

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

January 2019: Grant Deed

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Jan 9, 2019
Property Address	401 5TH ST, MEXICO BEACH, FL 32456-7002
Document Number	0040770574
Book / Page	004077 / 000574
Instrument Date	Dec 26, 2018
Instrument	3205
Record Updated	Jan 30, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 13066 MEXICO BEACH FL 324103066, MEXICO BEACH, FL 32410-3066

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$366,866	$377,091 Land $151,925 Building $225,166
2023	$4,653.00 (+18.52%)	$297,665 (+26.35%) Land $123,600 Building $174,065	$297,665 (+26.35%) Land $123,600 Building $174,065
2022	$3,926.00	$235,587 Land $75,190 Building $160,397	$235,587 Land $75,190 Building $160,397

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

Flood

FEMA maps place 401 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
Flood Insurance Cost	Premium on File median of 378 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	693 units insured incl. 315 condo units
Nearby Flood Claims	914 (1985–2024)
Claims Outside the SFHA	547 of 914
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 581 claims Hurricane Dennis, Jul 2005 · 22 claims Hurricane Opal, Oct 1995 · 195 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 401 5th St is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within 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 MEXICO BEACH serves 5,888 people · EPA ID FL1030467
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 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	2 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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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