Bay County property record for 5209 E 11th St, Panama City, FL 32404
| Property Type | Religious, Church, Worship (Synagogue, Temple, Parsonage) |
|---|---|
| Details | 5,348 sqft · built 1976 |
| Lot Size | 1.25 acres (54,581 sqft) |
| Owner | Owner Name on File |
| Last Sale | $380,000 (Sep 2005) |
| Deeds & Mortgages | Mar 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 15026-000-000 |
| Primary APN | 15026-000-000 |
|---|
| Total Rooms | 12 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 5,348 sqft Total Area |
| 1st Floor Area | 4,480 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 54,581 sqft (1.25 acres) |
| Lot Dimensions | 130 ft deep x 100 ft wide |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 5209 E 11TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9459 |
| Property Category | Other |
| Property Type | Other > Religious, Church, Worship (Synagogue, Temple, Parsonage) |
| Legal Description | 1-4S-14W-101-118A1 E 420' OF S1/2 OF S1/2 OF S1/2 OF SW1/4 OF NE1/4 LESS RD RW ORB 563 P |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 1100 |
The current owner of 5209 E 11th St bought it in September 2005.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 5209 E 11TH ST, PANAMA CITY, FL 32404-9459 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Last Sale | Sep 20, 2005 · Amount on File |
| Deed Sale | Sep 20, 2005 · Amount on File |
| Deed Document Number | 2005-075242 |
| Deed Book / Page | 2676 / 0063 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 5209 E 11TH ST, PANAMA CITY, FL 32404-9459 |
| Document Number | 0039882363 |
| Instrument Date | Mar 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 5209 E 11TH ST PANAMA CITY FL 324049459, PANAMA CITY, FL 32404-9459 |
| Document Number | 0039882363 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 003988/002363 |
| Instrument | 15221 |
| Name | TRUSTMARK NAT'L BK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32401 |
| Term | 36 Months |
|---|---|
| Due | Mar 14, 2021 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Additional exemption filed | $160,144 Land $78,939 Building $81,205 | $160,144 Land $78,939 Building $81,205 |
| 2023 | Additional exemption filed | $162,997 Land $78,939 Building $84,058 | $162,997 Land $78,939 Building $84,058 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5209 E 11th 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 5209 E 11th St is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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: 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 |
| Lead | 1 ppb (2023) action level 15 ppb |
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.
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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