515 E 5th Ct, Panama City, FL 32401 Property Records

Bay County property record for 515 E 5th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,140 sqft · built 1982
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Last Sale	$247,500 (Feb 2023)
Tax Bill	$3,378 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20443-000-000`

Property Details

APN / Parcel Number

Primary APN	`20443-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,140 sqft Heated Area
1st Floor Area	1,260 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2022
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Porch	Porch
Porch Area	243 sqft
Deck Area	460 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	515 E 5TH CT
City	PANAMA CITY
State	FL
Zip	32401-3723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC09
Legal Description	SUDDUTH'S 1ST ADD BEG AT W BOUNDARY OF LT BLK 7-A TH S 106.21' E 49.90' N 80.03' WLY
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	BUNKERS COVE
Legal Block	7A
Legal Lot Number	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4007
Census Tract	1900

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 Record	Individual Name on Record
Mailing Address	4459 ASHLAND RD, PANAMA CITY, FL 32405-1024
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Warranty Deed, Transfer · Conventional Mortgage BEELINE LOANS INC
Mar 10, 2020	Warranty Deed, Transfer · Conventional with PMI BARBARA J STEVENS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2023 · Amount on Record
Deed Sale	Feb 17, 2023 · Amount on Record
Prior Sale	Mar 10, 2020 · Amount on Record
Deed Document Number	2023009417
Deed Book / Page	4657 / 2017
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 17, 2023
Property Address	515 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0046572017
Book / Page	4657 / 2017
Instrument Date	Feb 16, 2023
Instrument	2023009417
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	ANCHOR TITLE COMPANY, ANCHOR TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,732.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	274 GEORGE RD SE, PORT CHARLOTTE, FL 33952-9159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4459 ASHLAND RD, PANAMA CITY, FL 32405-1024

Mortgage

Document Number	0046572019
Date	Feb 17, 2023
Instrument	4657/2019

Lender

Name	BEELINE LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 10, 2020
Property Address	515 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0042310291
Book / Page	004231 / 000291
Instrument Date	Mar 6, 2020
Instrument	18149
Transaction Type	Transfer
Record Updated	Apr 10, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$578.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 E 2ND CT PANAMA CITY BEACH FL 324013214, PANAMA CITY BEACH, FL 32401-3214

Mortgage

Document Number	42310293
Date	Mar 10, 2020
Book Page	004231/000293
Instrument	18150

Lender

Name	BARBARA J STEVENS
Address	8700 FRONT BEACH RD # 7116, PANAMA CITY, FL 32407-4287
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Mar 9, 2025

Interest

Rate	5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,378.00 (+129.02%)	$213,921 (+186.09%) Land $18,445 Building $195,476	$213,921 (+186.09%) Land $18,445 Building $195,476
2023	$1,475.00 (+91.56%)	$74,773 (+11.1%) Land $17,000 Building $57,773	$74,773 (+11.1%) Land $17,000 Building $57,773
2022	$770.00 Homeowner's exemption	$67,300 Land $14,875 Building $52,425	$67,300 Land $14,875 Building $52,425

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	14 (1985–2021)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Sep 2021 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 7 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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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