404 5th St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 404 5th St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2023
Lot Size	0.301 acres (13,155 sqft)
Owner	2 Individual Names on File
Last Sale	$57,000 (Sep 2020)
Tax Bill	$4,877 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04188-114-000`

Property Details

APN / Parcel Number

Primary APN	`04188-114-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Heated Area
Gross Area	3,432 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,155 sqft (0.301 acres)
Lot Dimensions	136 ft deep x 97 ft wide
Driveway	Driveway
Driveway Area	840 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	404 5TH ST
City	MEXICO BEACH
State	FL
Zip	32456-0199
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB02
Legal Description	25 6S 12W -2.14- 236A1 COM 1289.65' W & 407.18' S SW 559.86' OF NE COR FOR POB TH
Legal Range	12W
Legal Township	06S
Legal Section	25
Legal Subdivision	MEXICO BEACH BAY COUNTY
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1076
Census Tract	600

Owner

404 5th St is owned by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	845 MIDDLEBROOKE BND, CANTON, GA 30115-4584
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
Jun 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYPLACE MORTGAGE LTD
Sep 24, 2020	Deed of Trust, Mortgage COUNTRYPLACE MTG
Nov 6, 2019	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Prior Sale	Nov 6, 2019 · Amount on File
Deed Document Number	2020063361
Deed Book / Page	4302 / 2392
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	404 5TH ST, PORT SAINT JOE, FL 32456
Transaction Type	Mortgage
Record Updated	Jun 29, 2023
Title Company	TALON TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 MIDDLEBROOKE BND, CANTON, GA 30115-4584

Mortgage

Document Number	0046961270
Date	Jun 7, 2023
Book Page	4696/1270
Instrument	2023035144

Lender

Name	COUNTRYPLACE MORTGAGE LTD
Type	Subprime Lender
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	404 5TH ST, PORT SAINT JOE, FL 32456
Document Number	0043030001
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	845 MIDDLEBROOKE BND DOUGLASVILLE GA 30135, DOUGLASVILLE, GA 30135

Mortgage

Document Number	0043030001
Date	Sep 25, 2020
Book Page	004303/000001
Instrument	63362

Lender

Name	COUNTRYPLACE MTG
Address	ADDISON, TX 75001

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2050

November 2019: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	BAY FL
Recording Date	Nov 6, 2019
Property Address	404 5TH ST, PORT SAINT JOE, FL 32456
Document Number	0041880249
Book / Page	004188 / 000249
Instrument Date	Nov 6, 2019
Instrument	96596
Transaction Type	Foreclosure
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$254.10
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17 E MAIN ST PENSACOLA FL 325025998, PENSACOLA, FL 32502-5998

Tax Assessment & Valuation

The 2025 property tax bill for 404 5th St was $4,877, up 8.5% from the year before.

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

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	$4,877.00 (+8.5%)	$343,934 (+13.92%) Land $124,904 Building $219,030	$343,934 (+13.92%) Land $124,904 Building $219,030
2024	$4,495.00 (+243.39%)	$301,898 (+191.86%) Land $116,436 Building $185,462	$301,898 (+191.86%) Land $116,436 Building $185,462
2023	$1,309.00 (+31.43%)	$103,438 (+62.54%) Land $101,617 Building $1,821	$103,438 (+62.54%) Land $101,617 Building $1,821
2022	$996.00	$63,638 Land $61,817 Building $1,821	$63,638 Land $61,817 Building $1,821

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

Flood

FEMA maps place 404 5th St in Zone X, an area of minimal flood risk, within 500 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 500 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 404 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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