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5107 E 13th Ct, Panama City, FL 32404 Property Records

Bay County property record for 5107 E 13th Ct, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,653 sqft · built 1980
Lot Size0.194 acres (8,494 sqft)
OwnerOwner Name on Record
Last Sale$99,900 (Jul 2004)
Tax Bill$318 (2024)
Deeds & MortgagesOct 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN15157-640-000

Property Details

APN / Parcel Number

Primary APN15157-640-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,653 sqft Heated Area
Gross Area1,717 sqft
1st Floor Area1,334 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,494 sqft (0.194 acres)
Lot Dimensions125 ft deep x 68 ft wide
Garage Area319 sqft
PorchOpen Porch
Porch Area64 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address5107 E 13TH CT
CityPANAMA CITY
StateFL
Zip32404-3206
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINNACLE PINES ESTATES UNIT 2 LOT 8 BLK D ORB 1098 P 725 ORB 2475 P 1524
Legal Range14W
Legal Township04S
Legal Section01
Legal SubdivisionPINNACLE PINES ESTATES
Legal BlockD
Legal Lot Number8
Legal Unit2
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1016
Census Tract1100

Owner

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 RecordOwner Name on Record
Mailing Address5107 E 13TH CT, PANAMA CITY, FL 32404-3206
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 19, 2004 · Amount on Record
Deed SaleJul 19, 2004 · Amount on Record
Deed Document Number2004-055902
Deed Book / Page2475 / 1524
Record UpdatedJun 8, 2026

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address5107 E 13TH CT, PANAMA CITY, FL 32404-3206
Document Number0043430681
Instrument DateOct 28, 2020
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5107 E 13TH CT PANAMA CITY FL 324043206, PANAMA CITY, FL 32404-3206

Mortgage

Document Number0043430681
DateDec 29, 2020
Book Page004343/000681
Instrument87454
Lender
NameWELLS FARGO BK
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueDec 28, 2030

Tax Assessment & Valuation

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$128,505 (+5.99%)$250,367 (+12.27%) Land $25,248 Building $225,119
2024$318.00 (+47.22%)
2023$216.00 (+2.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$121,245 (+35.37%)$223,003 (+127.26%) Land $20,454 Building $202,549
2022$210.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$89,568$98,127 Land $16,491 Building $81,636

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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

Wildfire RiskModerate
above 55% of the US · lower than 73% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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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