Bay County property record for 528 E 5th Ct, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,622 sqft · built 2022 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,477 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 20468-010-000 |
| Primary APN | 20468-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,622 sqft Living Area |
| Gross Area | 2,022 sqft |
| 1st Floor Area | 1,622 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,969 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 528 E 5TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTHS 1ST ADD. LOT 18 BLK 9 ORB 4091 P 2209 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 9 |
| Legal Lot Number | 18 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 1900 |
Source: Bay County records, as of April 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 416 S BONITA AVE, PANAMA CITY, FL 32401-3964 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 528 E 5TH CT, PANAMA CITY, FL 32401-3724 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1320 BAYOU CT, PANAMA CITY, FL 32401-3975 |
| Document Number | 0045510454 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 4551/454 |
| Instrument | 2022028219 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FOREST, MS 39074 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,477.00 (-2.74%) | $220,162 (+16.07%) Land $21,266 Building $198,896 | $220,162 (+16.07%) Land $21,266 Building $198,896 |
| 2024 | $3,575.00 (+11.06%) | ||
| 2023 | $3,219.00 (+555.6%) | $189,687 (+897.04%) Land $19,600 Building $170,087 | $189,687 (+897.04%) Land $19,600 Building $170,087 |
| 2022 | $491.00 | $19,025 Land $17,150 Building $1,875 | $19,025 Land $17,150 Building $1,875 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures