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509 E 5th Ct, Panama City, FL 32401 Property Records

Bay County property record for 509 E 5th Ct, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 786 sqft · built 1941
Lot Size0.357 acres (15,594 sqft)
Owner2 Individual Names on Record
Last Sale$85,000 (Nov 2019)
Tax Bill$1,633 (2025)
Deeds & MortgagesNov 2019 Sale
Flood ZoneZone X (minimal risk)
APN20442-000-000

Property Details

APN / Parcel Number

Primary APN20442-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms3 Rooms
Stories1 Story
Building Area786 sqft Heated Area
Gross Area1,002 sqft
1st Floor Area786 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1941
Effective Year BuiltEffective 2001
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area15,594 sqft (0.357 acres)
Lot Dimensions150 ft deep x 104 ft wide
Garage TypeCarport
CarportCarport
DrivewayDriveway
Driveway Area400 sqft
PorchPorch
Porch Area376 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address509 E 5TH CT
CityPANAMA CITY
StateFL
Zip32401-3723
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC09
Legal DescriptionSUDDUTHS 1ST ADD. LOT 1 BLK 7A ORB 4190 P 2041
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionSUDDUTHS 1ST ADD
Legal Block7A
Legal Lot Number1
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group4
Census Block4007
Census Tract1900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address509 E 5TH CT, PANAMA CITY, FL 32401-3723
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 14, 2019 · Amount on Record
Deed SaleNov 14, 2019 · Amount on Record
Prior SaleFeb 27, 2007 · Amount on Record
Deed Document Number2019098626
Deed Book / Page4190 / 2041
Record UpdatedJun 8, 2026

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateNov 14, 2019
Property Address509 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number0041902041
Book / Page004190 / 002041
Instrument DateNov 12, 2019
Instrument98626
Transaction TypeTransfer
Record UpdatedDec 9, 2019
Title CompanySALEM OAK TITLE

Transaction

AmountAmount Recorded
Tax$595.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address509 E 5TH CT #E PANAMA CITY FL 324013723, E, PANAMA CITY, FL 32401-3723

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,633.00 (-6.26%)$103,436 (+12.16%) Land $38,366 Building $65,070$103,436 (+12.16%) Land $38,366 Building $65,070
2023$1,742.00 (+13.63%)$92,221 (+11.15%) Land $35,360 Building $56,861$92,221 (+11.15%) Land $35,360 Building $56,861
2022$1,533.00$82,972 Land $30,940 Building $52,032$82,972 Land $30,940 Building $52,032

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 28 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies28 in force
Nearby Flood Claims14 (1985–2021)
Claims Outside the SFHA7 of 14
Most Recent ClaimSep 2021 · other causes
Claims by Event
  • Hurricane Michael, Oct 2018 · 7 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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