Bay County property record for 5124 E 13th St, Panama City, FL 32404
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 1.87 acres (81,500 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,044 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14931-000-000 |
| Primary APN | 14931-000-000 |
|---|
| Total Rooms | 4 Rooms |
|---|
| Lot Area | 81,500 sqft (1.87 acres) |
|---|---|
| Lot Dimensions | 330 ft deep x 247 ft wide |
| Mobile Home / RV Hookup | Mobile Home / RV Hookup |
| Street Address | 5124 E 13TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9475 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | BC15 |
| Legal Description | 1 4S 14W -20- 118A1 BEG 100 N OF SW COR NW1/4 OF NE1/4 OF SW1/4 OF NE1/4 TH N 230 E 330 S 230 W 330 TO POB & PCL DESC AS: COM AT SW COR OF NW1/4 OF NE1/4 OF SW1/4 OF NE1/4 N 100 E 8.81 FOR POB TH CONT E 312.62 S 25 W 313 N 9.1 TO POB ORB 646 P 316 OR |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 1100 |
5124 E 13th St, residential vacant land, is owned by an individual.
Source: Bay County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4426 BLUEWATER DR, PANAMA CITY, FL 32404-5203 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 5124 E 13TH ST, PANAMA CITY, FL 32404 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4426 BLUEWATER DR, PANAMA CITY, FL 32404-5203 |
| Document Number | 0047951597 |
|---|---|
| Date | Apr 25, 2024 |
| Book Page | 4795/1597 |
| Instrument | 2024023991 |
| Name | PANHANDLE CU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 25, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Type Change Date | Apr 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 7.75% |
| Max Rate At Change | 9.75% |
| Index | 1-Year T-Bill |
| Max Rate | 13.7% |
The 2025 property tax bill for 5124 E 13th St was $1,044, up 10.2% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,044.00 (+10.24%) | $78,520 | $92,262 Land $89,760 Building $2,502 |
| 2024 | $947.00 (+8.98%) | ||
| 2023 | $869.00 (+25.58%) | $75,218 (+23.05%) Land $72,716 Building $2,502 | $75,218 (+23.05%) Land $72,716 Building $2,502 |
| 2022 | $692.00 | $61,129 Land $58,627 Building $2,502 | $61,129 Land $58,627 Building $2,502 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5124 E 13th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 5124 E 13th 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 Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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