5013 E 13th Ct, Panama City, FL 32404 Property Records

Bay County property record for 5013 E 13th Ct, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,269 sqft · built 1980
Lot Size	0.195 acres (8,494 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jan 2020)
Tax Bill	$1,770 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15157-615-000`

Property Details

APN / Parcel Number

Primary APN	`15157-615-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,269 sqft Living Area
Gross Area	1,577 sqft
1st Floor Area	1,269 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,494 sqft (0.195 acres)
Lot Dimensions	125 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	308 sqft
Driveway	Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5013 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 3 BLK D ORB 4211 P 2079
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	PINNACLE PINES ESTATES
Legal Block	D
Legal Lot Number	3
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2009 CLAY AVE, PANAMA CITY, FL 32405-2443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NAT'L BK
Jan 16, 2020	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Prior Sale	Apr 22, 2015 · Amount on Record
Deed Document Number	20203820
Deed Book / Page	4211 / 2079
Prior Transfer Date	Jul 24, 2003
Prior Transfer Doc	0000054651
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	5013 E 13TH CT, PANAMA CITY, FL 32404-9472
Document Number	0042112081
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4455 W 19TH ST #4 PANAMA CITY FL 324051164, 4, PANAMA CITY, FL 32405-1164

Mortgage

Document Number	0042112081
Date	Jan 16, 2020
Book Page	004211/002081
Instrument	3821

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 16, 2020
Property Address	5013 E 13TH CT, PANAMA CITY, FL 32404-9472
Document Number	0042112079
Book / Page	4211 / 2079
Map Reference	MB 13 PG 4
Instrument Date	Jan 15, 2020
Instrument	2020003820
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5013 E 13TH CT, 5013, PANAMA CITY, FL 32404-9472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5013 E 13TH CT, PANAMA CITY, FL 32404-9472

Mortgage

Document Number	0042112081
Date	Jan 16, 2020
Instrument	4211/2081

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

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

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	$1,770.00 (-10.29%) Homeowner's exemption	$153,698 (+5.99%)	$175,671 (+8.19%) Land $25,248 Building $150,423
2024	$1,973.00 (+3.14%)
2023	$1,913.00 (+9.19%) Homeowner's exemption	$145,016 (+3%)	$162,366 (+12.06%) Land $20,454 Building $141,912
2022	$1,752.00 Homeowner's exemption	$140,792	$144,896 Land $16,491 Building $128,405

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

Flood

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 Record 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

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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