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

Bay County property record for 525 E 5th St, Panama City, FL 32401

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,532 sqft · built 1935
Lot Size0.321 acres (13,982 sqft)
Owner2 Individual Names on File
Last Sale$181,000 (Aug 2023)
Tax Bill$1,465 (2025)
Deeds & MortgagesAug 2023 Sale
Feb 2023 Transfer
Flood ZoneZone X (minimal risk)
APN20461-000-000

Property Details

APN / Parcel Number

Primary APN20461-000-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,532 sqft Living Area
1st Floor Area1,087 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 2005
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area13,982 sqft (0.321 acres)
Lot Dimensions140 ft deep x 100 ft wide
Garage TypeCarport
Garage Area240 sqft
CarportCarport
Carport Area240 sqft
DrivewayDriveway
Driveway Area540 sqft
PorchFlorida Room
Porch Area85 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemConvection

Location & Zoning

Street Address525 E 5TH ST
CityPANAMA CITY
StateFL
Zip32401-3719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC02
Legal DescriptionSUDDUTHS 1ST ADD MAP 105C2 LOTS 5 & 6 BLK 9 ORB 4722 P 361
Legal Range14W
Legal Township04S
Legal Section09
Legal SubdivisionSUDDUTHS 1ST ADD
Legal Block9
Legal Lot Number5,6
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group4
Census Block4025
Census Tract1900

Owner

525 E 5th St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record2 Individual Names on File
Mailing Address525 E 5TH ST, PANAMA CITY, FL 32401-3719
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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
Aug 21, 2023Warranty Deed, Transfer
CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC
Feb 9, 2023Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 21, 2023 · Amount on File
Deed SaleAug 21, 2023 · Amount on File
Deed Document Number202352686
Deed Book / Page4722 / 361
Prior Transfer DateFeb 1, 2023
Prior Transfer Doc0046551830
Record UpdatedSep 20, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 21, 2023
Property Address525 E 5TH ST, PANAMA CITY, FL 32401-3719
Document Number0047220361
Book / Page4722 / 361
Map ReferenceMB 1 PG 30
Instrument DateAug 18, 2023
Instrument2023052686
Transaction TypeTransfer
Record UpdatedSep 7, 2023
Title CompanyCORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

AmountAmount on Record
Tax$1,267.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address525 E 5TH ST, PANAMA CITY, FL 32401-3719

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address525 E 5TH ST, PANAMA CITY, FL 32401-3719

February 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateFeb 9, 2023
Property Address525 E 5TH ST, PANAMA CITY, FL 32401-3719
Document Number0046551830
Book / Page4655 / 1830
Map ReferenceMB 1 PG 30
Instrument DateFeb 1, 2023
Instrument2023007945
Transaction TypeTransfer
Record UpdatedFeb 27, 2023

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address74 LORENZ DR, DEFUNIAK SPRINGS, FL 32435-6640

Transferred To (Grantee/Buyer)

NameVerified Name
Address112 FALKIRK DR, DOTHAN, AL 36305-6982

Tax Assessment & Valuation

The 2025 property tax bill for 525 E 5th St was $1,465 with a homeowner's exemption, down 6.1% 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$1,465.00 (-6.09%) Homeowner's exemption$134,808$161,201 Land $42,532 Building $118,669
2024$1,560.00 (-33.59%)
2023$2,349.00 (+416.26%)$129,842 (+133.89%) Land $39,200 Building $90,642$129,842 (+53.81%) Land $39,200 Building $90,642
2022$455.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed$55,515$84,418 Land $34,300 Building $50,118

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 525 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 525 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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