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

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,570 sqft · built 1935
Lot Size0.312 acres (13,590 sqft)
OwnerIndividual Name on File
Last Sale$175,000 (Apr 2018)
Tax Bill$2,736 (2025)
Deeds & MortgagesSep 2021 Transfer
Apr 2018 Sale
Flood ZoneZone X (minimal risk)
APN20460-000-000

Property Details

APN / Parcel Number

Primary APN20460-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,570 sqft Living Area
1st Floor Area1,510 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 2015
Exterior MaterialWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area13,590 sqft (0.312 acres)
Lot Dimensions136 ft deep x 100 ft wide
Garage TypeCarport
Garage Area480 sqft
CarportCarport
Carport Area480 sqft
PorchFlorida Room
Porch Area228 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address515 E 5TH ST
CityPANAMA CITY
StateFL
Zip32401-3719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC02
Legal DescriptionSUDDUTHS 1ST ADD LOTS 3, 4 BLK 9 ORB 4458 P 527 MAP 105C2
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionSUDDUTHS 1ST ADD
Legal Block9
Legal Lot Number3,4
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group4
Census Block4025
Census Tract1900

Owner

515 E 5th St is owned and occupied by an individual who acquired it in September 2021.

Source: Bay County records, as of January 5, 2026

Owner of RecordIndividual Name on File
Mailing Address515 E 5TH ST, PANAMA CITY, FL 32401-3719
OccupancyOwner Occupied
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

DateDocument
Sep 9, 2021Quit Claim Deed, Transfer
Quitclaim
Apr 12, 2018Warranty Deed, Transfer
FIRST INT'L TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 12, 2018 · Amount on File
Deed SaleApr 12, 2018 · Amount on File
Prior SaleOct 22, 2007 · Amount on File
Deed Document Number201821491
Deed Book / Page3997 / 2203
Last Transfer DateSep 8, 2021
Transfer Doc0044580527
Record UpdatedSep 20, 2026

September 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateSep 9, 2021
Property Address515 E 5TH ST, PANAMA CITY, FL 32401-3719
Document Number0044580527
Book / Page4458 / 527
Map ReferenceMB 1 PG 30
Instrument DateSep 8, 2021
Instrument2021069114
Transaction TypeTransfer
Record UpdatedOct 1, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address120 COLLEGE AVE, 120, PANAMA CITY, FL 32401-4849

Transferred To (Grantee/Buyer)

NameVerified Name
Address515 E 5TH ST, PANAMA CITY, FL 32401-3719

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 12, 2018
Property Address515 E 5TH ST, PANAMA CITY, FL 32401-3719
Document Number0039972203
Book / Page003997 / 002203
Instrument DateApr 10, 2018
Instrument21491
Transaction TypeTransfer
Record UpdatedApr 30, 2018
Title CompanyFIRST INT'L TITLE

Transaction

AmountAmount on Record
Tax$1,225.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address515 E 5TH ST PANAMA CITY BEACH FL 324013719, PANAMA CITY BEACH, FL 32401-3719

Tax Assessment & Valuation

The 2025 property tax bill for 515 E 5th St was $2,736 with a homeowner's exemption, down 2% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,736.00 (-2.04%) Homeowner's exemption$215,307$234,389 Land $42,098 Building $192,291
2024$2,793.00 (-5.55%)
2023$2,957.00 (+6.18%) Homeowner's exemption$203,145 (+3.98%)$206,187 (+5.54%) Land $38,800 Building $167,387
2022$2,785.00 Homeowner's exemption$195,364 Land $33,950 Building $161,414$195,364 Land $33,950 Building $161,414

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

Flood

FEMA maps place 515 E 5th 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 28 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies28 in force
Nearby Flood Claims14 (1985–2021)
Claims Outside the SFHA7 of 14
Most Recent ClaimSep 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

Wildfire risk around 515 E 5th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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)
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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