Bay County property record for 5009 Rivergrass Dr, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,812 sqft · built 2023 |
| Lot Size | 0.13 acres (5,706 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,725 (Nov 2023) |
| Tax Bill | $2,988 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05948-375-120 |
| Primary APN | 05948-375-120 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,812 sqft Heated Area |
| Gross Area | 2,440 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,706 sqft (0.13 acres) |
| Lot Dimensions | 110 ft deep x 52 ft wide |
| Driveway | Driveway |
| Driveway Area | 540 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 5009 RIVERGRASS DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-1299 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TITUS PARK PH 2-A LOT 60 ORB 4746 P 656 |
| Legal Phase | 2 |
| Legal Lot Number | 60 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 402 |
5009 Rivergrass Dr is owned and occupied by an individual who bought it in November 2023.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5009 RIVERGRASS DR, PANAMA CITY, FL 32404-1299 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2023 · Amount on File |
| Deed Sale | Nov 2, 2023 · Amount on File |
| Deed Document Number | 2023069504 |
| Deed Book / Page | 4746 / 656 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 2, 2023 |
| Property Address | 5009 RIVERGRASS DR, PANAMA CITY, FL 32404-1299 |
| Document Number | 0047460656 |
| Book / Page | 4746 / 656 |
| Map Reference | MB 28 PG 74-79 |
| Instrument Date | Oct 30, 2023 |
| Instrument | 2023069504 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 17, 2023 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,210.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14251 PANAMA CITY BEACH PKWY, PANAMA CITY, FL 32413-2820 |
| Name | Verified Name |
|---|---|
| Address | 5009 RIVERGRASS DR, PANAMA CITY, FL 32404-1299 |
| Document Number | 0004746657 |
|---|---|
| Date | Nov 2, 2023 |
| Instrument | 4746/657 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 5009 Rivergrass Dr was $2,988 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,988.00 Homeowner's exemption | $281,106 Land $58,263 Building $222,843 | $281,106 Land $58,263 Building $222,843 |
| 2023 | $698.00 (+25.31%) | $59,218 (+22.54%) Land $59,218 | $59,218 (+22.54%) Land $59,218 |
| 2022 | $557.00 | $48,324 Land $48,324 | $48,324 Land $48,324 |
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 5009 Rivergrass Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2013.
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 137 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 137 in force |
| Nearby Flood Claims | 10 (2013–2018) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| Claims by Event |
|
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 5009 Rivergrass Dr is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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