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

Bay County property record for 518 E 5th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,055 sqft · built 1940
Lot Size0.16 acres (6,969 sqft)
Owner2 Individual Names on Record
Last Sale$70,000 (Sep 2017)
Tax Bill$1,292 (2025)
Deeds & MortgagesSep 2017 Sale
Flood ZoneZone X (minimal risk)
APN20509-000-000

Property Details

APN / Parcel Number

Primary APN20509-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,055 sqft Living Area
1st Floor Area1,055 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1990
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialOther
Lot Area6,969 sqft (0.16 acres)
Lot Dimensions140 ft deep x 50 ft wide
Garage TypeDetached
Garage Area546 sqft
DrivewayDriveway
PorchOpen Porch
Porch Area24 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address518 E 5TH ST
CityPANAMA CITY
StateFL
Zip32401-3720
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC02
Legal DescriptionSUDDUTHS 1ST ADD LOT 11 BLK 12 ORB 3940 P 1822 MAP 105C2
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionSUDDUTHS 1ST ADD
Legal Block12
Legal Lot Number11
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group4
Census Block4024
Census Tract1900

Owner

Source: Bay County records, as of January 5, 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 Record2 Individual Names on Record
Mailing Address2574 LAKE DOUGLAS RD, BAINBRIDGE, GA 39819-7820
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 27, 2017 · Amount on Record
Deed SaleSep 27, 2017 · Amount on Record
Deed Document Number201755626
Deed Book / Page3940 / 1822
Prior Transfer DateSep 19, 2005
Prior Transfer Doc0026790644
Record UpdatedJun 8, 2026

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 27, 2017
Property Address518 E 5TH ST, PANAMA CITY, FL 32401-3720
Document Number0039401822
Book / Page003940 / 001822
Instrument DateSep 26, 2017
Instrument55626
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyCORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

AmountAmount Recorded
Tax$490.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2574 LAKE DOUGLAS RD BAINBRIDGE GA 398197820, BAINBRIDGE, GA 39819-7820

Tax Assessment & Valuation

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$1,292.00 (-15.45%)$81,834 (+13.7%) Land $21,266 Building $60,568$81,834 (+13.7%) Land $21,266 Building $60,568
2024$1,528.00 (+7.99%)
2023$1,415.00 (+12.84%)$71,972 (+11.11%) Land $19,600 Building $52,372$71,972 (+11.11%) Land $19,600 Building $52,372
2022$1,254.00$64,773 Land $17,150 Building $47,623$64,773 Land $17,150 Building $47,623

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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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