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

Bay County property record for 530 E 5th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,622 sqft · built 2022
Lot Size	0.16 acres (6,969 sqft)
Owner	Company Name on Record
Last Sale	$45,000 (Feb 2019)
Tax Bill	$3,522 (2025)
Deeds & Mortgages	Apr 2022 Construction Loan Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20468-000-000`

Property Details

APN / Parcel Number

Primary APN	`20468-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,622 sqft Living Area
Gross Area	2,022 sqft
1st Floor Area	1,622 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Other
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
Porch Area	179 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	530 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 17 BLK 9 ORB 4091 P 2209
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	9
Legal Lot Number	17
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4025
Census Tract	1900

Owner

Source: Bay County records, as of August 12, 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	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY BANK OF MISSISSIPPI
Apr 23, 2019	Deed of Trust, Mortgage COMMUNITY BK/MS
Apr 23, 2019	Deed of Trust, Mortgage COMMUNITY BK/MS
Feb 19, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2019 · Amount on Record
Deed Sale	Feb 19, 2019 · Amount on Record
Prior Sale	Dec 23, 2013 · Amount on Record
Deed Document Number	201919080
Deed Book / Page	4091 / 2209
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	530 E 5TH CT, PANAMA CITY, FL 32401-3724
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 BAYOU CT, PANAMA CITY BEACH, FL 32401-3975

Mortgage

Document Number	0045510468
Date	Apr 14, 2022
Book Page	4551/468
Instrument	2022028222

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	530 E 5TH CT, PANAMA CITY, FL 32401-3724
Document Number	0041150991
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	416 S BONITA AVE PANAMA CITY FL 324013964, PANAMA CITY, FL 32401-3964

Mortgage

Document Number	0041150991
Date	Apr 23, 2019
Book Page	004115/000991
Instrument	40530

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	530 E 5TH CT, PANAMA CITY, FL 32401-3724
Document Number	0041151001
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	May 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	416 S BONITA AVE PANAMA CITY FL 324013964, PANAMA CITY, FL 32401-3964

Mortgage

Document Number	0041151001
Date	Apr 23, 2019
Book Page	004115/001001
Instrument	40531

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Amount	Amount Recorded

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 19, 2019
Property Address	530 E 5TH CT, PANAMA CITY, FL 32401-3724
Document Number	0040912209
Book / Page	004091 / 002209
Instrument Date	Feb 15, 2019
Instrument	19080
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	416 S BONITA AVE PANAMA CITY FL 324013964, PANAMA CITY, FL 32401-3964

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	$3,522.00 (-2.71%)	$223,042 (+15.83%) Land $21,266 Building $201,776	$223,042 (+15.83%) Land $21,266 Building $201,776
2024	$3,620.00 (+10.87%)
2023	$3,265.00 (+549.11%)	$192,567 (+912.18%) Land $19,600 Building $172,967	$192,567 (+912.18%) Land $19,600 Building $172,967
2022	$503.00	$19,025 Land $17,150 Building $1,875	$19,025 Land $17,150 Building $1,875

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

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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