Bay County property record for 527 E 5th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 986 sqft · built 1956 |
| Lot Size | 0.241 acres (10,497 sqft) |
| Owner | Company Name on File |
| Last Sale | $162,000 (Sep 2023) |
| Tax Bill | $2,283 (2025) |
| Deeds & Mortgages | Sep 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20462-000-000 |
| Primary APN | 20462-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 986 sqft Living Area |
| Gross Area | 1,286 sqft |
| 1st Floor Area | 986 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,497 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 176 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 527 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTHS 1ST ADD LOT 7 & W1/2 LOT 8 BLK 9 ORB 4732 P 1872 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 9 |
| Legal Lot Number | 7,8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 1900 |
527 E 5th St is owned by a company that bought it in September 2023.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 527 E 5TH ST, PANAMA CITY, FL 32401-3719 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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, 2023 · Amount on File |
| Deed Sale | Sep 20, 2023 · Amount on File |
| Deed Document Number | 202359957 |
| Deed Book / Page | 4732 / 1872 |
| Prior Transfer Date | Nov 25, 2014 |
| Prior Transfer Doc | 0036580242 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 20, 2023 |
| Property Address | 527 E 5TH ST, PANAMA CITY, FL 32401-3719 |
| Document Number | 0047321872 |
| Book / Page | 4732 / 1872 |
| Map Reference | MB 1 PG 30 |
| Instrument Date | Sep 19, 2023 |
| Instrument | 2023059957 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2023 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB |
| Amount | Amount on Record |
|---|---|
| Tax | $1,134.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1198 BLACK WALNUT CT, WINTER SPRINGS, FL 32708-5086 |
| Name | Verified Name |
|---|---|
| Address | 527 E 5TH ST, P C BEACH, FL 32401-3719 |
The 2025 property tax bill for 527 E 5th St was $2,283, down 7.7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,283.00 (-7.72%) | $144,559 Land $31,899 Building $112,660 | $144,559 Land $31,899 Building $112,660 |
| 2024 | $2,474.00 (+73.01%) | ||
| 2023 | $1,430.00 (+13.22%) | $73,885 (+11.61%) Land $29,400 Building $44,485 | $73,885 (+11.61%) Land $29,400 Building $44,485 |
| 2022 | $1,263.00 | $66,199 Land $25,725 Building $40,474 | $66,199 Land $25,725 Building $40,474 |
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 527 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 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 File 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 |
|
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 527 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 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.
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 |
| 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.
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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