5108 E 13th Ct, Panama City, FL 32404 Property Records

Bay County property record for 5108 E 13th Ct, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,875 sqft · built 1979
Lot Size	0.195 acres (8,494 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Apr 2026)
Tax Bill	$1,110 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15157-685-000`

Property Details

APN / Parcel Number

Primary APN	`15157-685-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,875 sqft Living Area
Gross Area	2,223 sqft
1st Floor Area	1,305 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,494 sqft (0.195 acres)
Lot Dimensions	125 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	348 sqft
Driveway	Driveway
Porch	Florida Room
Porch Area	634 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5108 E 13TH CT
City	PANAMA CITY
State	FL
Zip	32404-9431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINNACLE PINES ESTATES UNIT 2 LOT 8 BLK E ORB 1834 P 572 ORB 2191 P 220
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	PINNACLE PINES ESTATES
Legal Block	E
Legal Lot Number	8
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 May 7, 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	5108 E 13TH CT, PANAMA CITY, FL 32404-9431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 16, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Oct 3, 2002 · Amount on Record
Deed Document Number	202622707
Deed Book / Page	5024 / 1748
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 16, 2026
Property Address	5108 E 13TH CT, PANAMA CITY, FL 32404-9431
Document Number	0050241748
Book / Page	5024 / 1748
Instrument Date	Apr 15, 2026
Instrument	202622707
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173,215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5108 E 13TH CT, PANAMA CITY, FL 32404-9431

Mortgage

Document Number	0000022708,
Date	Apr 16, 2026
Instrument	202622708

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.99%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 16, 2026
Property Address	5108 E 13TH CT, PANAMA CITY, FL 32404-9431
Document Number	0000022707
Book / Page	5024 / 1748
Instrument Date	Apr 15, 2026
Instrument	2026.22707
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173,215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5108 E 13TH CT, PANAMA CITY, FL 32404-9431

Mortgage

Document Number	0000022708,
Date	Apr 16, 2026
Instrument	2026..22708

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Apr 21, 2026
Property Address	5108 E 13TH CT, PANAMA CITY, FL 32404-9431
Document Number	0000023736
Book / Page	5026 / 527
Instrument Date	Apr 1, 2026
Instrument	202623736
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5108 E 13TH CT, PANAMA CITY, FL 32404-9431

Mortgage

Document Number	0000023736,
Date	Apr 21, 2026
Book Page	5026/527
Instrument	202623736

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$1,110.00 (-14.75%) Homeowner's exemption	$112,105 (+5.99%)	$182,283 (+44.71%) Land $25,248 Building $157,035
2024	$1,302.00 (+3.5%)
2023	$1,258.00 (+9.11%) Homeowner's exemption	$105,773 (+3%)	$125,961 (+12.04%) Land $20,454 Building $105,507
2022	$1,153.00 Homeowner's exemption	$102,692	$112,423 Land $16,491 Building $95,932

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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.

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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