5009 E 13th Ct, Panama City, FL 32404 Property Records

Bay County property record for 5009 E 13th Ct, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,416 sqft · built 1979
Lot Size	0.194 acres (8,494 sqft)
Owner	Individual Name on File
Last Sale	$152,000 (Sep 2019)
Tax Bill	$2,964 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15157-610-000`

Property Details

APN / Parcel Number

Primary APN	`15157-610-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,416 sqft Heated Area
Gross Area	1,587 sqft
1st Floor Area	1,416 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,494 sqft (0.194 acres)
Lot Dimensions	125 ft deep x 68 ft wide
Porch	Porch
Porch Area	45 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5009 E 13TH CT
City	PANAMA CITY
State	FL
Zip	32404-9472
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINNACLE PINES ESTATES UNIT 2 LOT 2 BLK D ORB 4164 P 1921
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	PINNACLE PINES ESTATES
Legal Block	D
Legal Lot Number	2
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1100

Owner

5009 E 13th Ct is owned by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3482 CLAYTON RD, BONIFAY, FL 32425-9074
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
Mar 29, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Sep 5, 2019	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2019 · Amount on File
Deed Sale	Sep 5, 2019 · Amount on File
Deed Document Number	2019079247
Deed Book / Page	4164 / 1921
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	5009 E 13TH CT, PANAMA CITY, FL 32404-9472
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043822343
Date	Mar 29, 2021
Book Page	4382/2343
Instrument	2021022738

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 5, 2019
Property Address	5009 E 13TH CT, PANAMA CITY, FL 32404-9472
Document Number	0041641921
Book / Page	004164 / 001921
Instrument Date	Aug 26, 2019
Instrument	79247
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,064.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5009 E 13TH CT PANAMA CITY FL 324049472, PANAMA CITY, FL 32404-9472

Mortgage

Document Number	41641904
Date	Sep 5, 2019
Book Page	004164/001904
Instrument	79246

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5009 E 13th Ct was $2,964.

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	$2,964.00	$186,953 Land $25,248 Building $161,705	$186,953 Land $25,248 Building $161,705
2023	$2,960.00 (+15.76%)	$169,126 (+10.56%) Land $20,454 Building $148,672	$169,126 (+10.56%) Land $20,454 Building $148,672
2022	$2,557.00	$152,967 Land $16,491 Building $136,476	$152,967 Land $16,491 Building $136,476

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

Flood

FEMA maps place 5009 E 13th Ct in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1998.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	18 (1998–2021)
Claims Outside the SFHA	10 of 18
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 8 claims Severe Storms And Flooding, Jul 2013 · 2 claims Hurricane Dennis, Jul 2005 · 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 5009 E 13th Ct is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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