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5107 E 12th St, Panama City, FL 32404 Property Records

Bay County property record for 5107 E 12th St, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 800 sqft · built 1950
Lot Size0.376 acres (16,422 sqft)
OwnerIndividual Name on File
Last Sale$25,000 (Mar 2019)
Tax Bill$1,083 (2025)
Deeds & MortgagesMar 2019 Sale
Flood ZoneZone X (minimal risk)
APN14954-000-000

Property Details

APN / Parcel Number

Primary APN14954-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area800 sqft Heated Area
Gross Area1,006 sqft
1st Floor Area800 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1950
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area16,422 sqft (0.376 acres)
Lot Dimensions155 ft deep x 106 ft wide
Garage TypeCarport
CarportCarport
PorchPorch
Porch Area322 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address5107 E 12TH ST
CityPANAMA CITY
StateFL
Zip32404-9425
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBC15
Legal Description1 4S 14W -40- 118A1 COM AT SW COR OF NW1/4 OF SW1/4 OF NE1/4 TH E 540.84' N
Legal Range14W
Legal Township04S
Legal Section01
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1024
Census Tract1100

Owner

5107 E 12th St is owned by an individual who bought it in March 2019.

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

Owner of RecordIndividual Name on File
Mailing Address5128 E 12TH ST, PANAMA CITY, FL 32404-3201
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 1, 2019 · Amount on File
Deed SaleMar 1, 2019 · Amount on File
Prior SaleJul 30, 2008 · Amount on File
Deed Document Number2019023403
Deed Book / Page4096 / 0933
Record UpdatedJun 8, 2026

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 1, 2019
Property Address5107 E 12TH ST, PANAMA CITY, FL 32404-9425
Document Number0040960933
Book / Page004096 / 000933
Instrument DateJan 29, 2019
Instrument23403
Transaction TypeTransfer
Record UpdatedMar 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$175.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5107 E 12TH ST PANAMA CITY FL 324049425, PANAMA CITY, FL 32404-9425

Tax Assessment & Valuation

The 2025 property tax bill for 5107 E 12th St was $1,083.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,083.00$74,534 Land $42,664 Building $31,870$74,534 Land $42,664 Building $31,870
2023$1,063.00 (+17.98%)$60,603 (+23.59%) Land $34,563 Building $26,040$60,603 (+23.59%) Land $34,563 Building $26,040
2022$901.00$49,036 Land $27,866 Building $21,170$49,036 Land $27,866 Building $21,170

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

Flood

FEMA maps place 5107 E 12th St 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 39 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims18 (1998–2021)
Claims Outside the SFHA10 of 18
Most Recent ClaimOct 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 5107 E 12th St is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF SPRINGFIELD
serves 8,075 people · EPA ID FL1030148
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionOct 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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)
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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