5205 E 9th St, Panama City, FL 32404 Property Records

Bay County property record for 5205 E 9th St, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,110 sqft · built 2003
Lot Size	0.187 acres (8,145 sqft)
Owner	2 Individual Names on File
Last Sale	$149,900 (Mar 2006)
Tax Bill	$1,668 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15153-010-000`

Property Details

APN / Parcel Number

Primary APN	`15153-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,110 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,145 sqft (0.187 acres)
Lot Dimensions	120 ft deep x 68 ft wide
Driveway	Driveway
Driveway Area	368 sqft
Pool Type	Spa / Hot Tub (No Pool)
Porch	Unfinished Open Porch
Porch Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5205 E 9TH ST
City	PANAMA CITY
State	FL
Zip	32404-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	C A TAYLORS 2ND ADD CALLAWAY LOT 2 BLK D ORB 4442 P 211
Legal Range	14W
Legal Township	04S
Legal Section	01
Legal Subdivision	TAYLORS 2ND ADD
Legal Block	D
Legal Lot Number	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1030
Census Tract	1100

Owner

5205 E 9th St is owned by two individuals who acquired it in July 2021.

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 Record	2 Individual Names on File
Mailing Address	23349 WHITMAN RD, BROOKSVILLE, FL 34601-4513
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2006 · Amount on File
Deed Sale	Mar 24, 2006 · Amount on File
Deed Document Number	200620363
Deed Book / Page	2754 / 885
Last Transfer Date	Jul 29, 2021
Transfer Doc	0044420211
Record Updated	Jun 8, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Aug 2, 2021
Property Address	5205 E 9TH ST, PANAMA CITY, FL 32404-3204
Document Number	0044420211
Book / Page	4442 / 211
Map Reference	MB 9 PG 26
Instrument Date	Jul 29, 2021
Instrument	2021059164
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	HOME/LAND TITLE INC, HOME LAND TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23349 WHITMAN RD, BROOKSVILLE, FL 34601-4513

Mortgage

Document Number	4442212
Date	Aug 2, 2021
Instrument	4442/212

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5205 E 9th St was $1,668, down 4.4% from the year before.

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	$1,668.00 (-4.36%)	$104,243	$107,024 Land $21,423 Building $85,601
2024	$1,744.00 (+6.15%)
2023	$1,643.00 (+15.62%)	$96,038 (+10.38%) Land $13,861 Building $82,177	$96,038 (+10.38%) Land $13,861 Building $82,177
2022	$1,421.00	$87,005 Land $11,971 Building $75,034	$87,005 Land $11,971 Building $75,034

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

Flood

FEMA maps place 5205 E 9th 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	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

Wildfire risk around 5205 E 9th St is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% 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.

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
Also Mapped Here	CALLAWAY, CITY OF WATER SYSTEM
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 167 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	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20