Bay County property record for 5103 E 13th Ct, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,669 sqft · built 1980 |
| Lot Size | 0.194 acres (8,494 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $74,500 (Jan 1995) |
| Tax Bill | $1,252 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15157-635-000 |
| Primary APN | 15157-635-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,669 sqft Heated Area |
| Gross Area | 2,429 sqft |
| 1st Floor Area | 1,669 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| 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 |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 504 sqft |
| Porch | Porch |
| Porch Area | 488 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 5103 E 13TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-3206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINNACLE PINES ESTATES UNIT 2 LOT 7 BLK D ORB 1546 P 134 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Legal Subdivision | PINNACLE PINES ESTATES |
| Legal Block | D |
| Legal Lot Number | 7 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1100 |
Source: Bay County records, as of January 23, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5103 E 13TH CT, PANAMA CITY, FL 32404-3206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 1995 · Amount on Record |
| Deed Sale | Jan 31, 1995 · Amount on Record |
| Deed Document Number | 0001546134 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,252.00 (-10.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $126,012 (+5.99%) | $158,684 (+12.46%) Land $25,248 Building $133,436 |
| 2023 | $1,400.00 (+6.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $118,894 (+1.11%) | $141,108 (+10.77%) Land $20,454 Building $120,654 |
| 2022 | $1,315.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $117,583 | $127,393 Land $16,491 Building $110,902 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
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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