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

Bay County property record for 521 E 5th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1983
Lot Size	0.092 acres (4,007 sqft)
Owner	Company Name on Record
Tax Bill	$1,646 (2025)
Deeds & Mortgages	Dec 2017 Sale May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`20446-020-000`

Property Details

APN / Parcel Number

Primary APN	`20446-020-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,007 sqft (0.092 acres)
Lot Dimensions	81 ft deep x 50 ft wide
Driveway	Driveway
Porch	Open Porch
Porch Area	30 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	521 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	SUDDUTHS 1ST ADD S 81.25 OF LOT 5 BLK 7A ORB 3961 P 1318 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	7A
Legal Lot Number	5
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 August 24, 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	Company Name on Record
Mailing Address	PO BOX 130101, BIRMINGHAM, AL 35213-0101
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2017	Warranty Deed, Transfer ATTORNEY ONLY
May 30, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 7, 2008
Transfer Doc	0030940595
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 7, 2017
Property Address	521 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0039611318
Book / Page	003961 / 001318
Instrument Date	Dec 7, 2017
Instrument	70607
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4401 BRIAR GLEN DR MOUNTAIN BROOK AL 352431723, MOUNTAIN BROOK, AL 35243-1723

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 30, 2017
Property Address	521 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0039050255
Book / Page	003905 / 000255
Instrument Date	May 26, 2017
Instrument	30622
Transaction Type	Transfer
Record Updated	Jul 5, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 BRIAR GLEN DR MOUNTAIN BROOK AL 352431723, MOUNTAIN BROOK, AL 35243-1723

Tax Assessment & Valuation

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

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	$1,646.00 (-11.41%)	$104,271 (+14.57%) Land $16,709 Building $87,562	$104,271 (+14.57%) Land $16,709 Building $87,562
2024	$1,858.00 (+5.99%)
2023	$1,753.00 (+13.24%)	$91,013 (+10.78%) Land $15,400 Building $75,613	$91,013 (+10.78%) Land $15,400 Building $75,613
2022	$1,548.00	$82,154 Land $13,475 Building $68,679	$82,154 Land $13,475 Building $68,679

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 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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