5302 E 12th St, Panama City, FL 32404 Property Records

Bay County property record for 5302 E 12th St, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1964
Lot Size	0.996 acres (43,385 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Mar 2014)
Tax Bill	$1,330 (2025)
Deeds & Mortgages	Apr 2022 Transfer Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14925-000-000`

Property Details

APN / Parcel Number

Primary APN	`14925-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1984
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	43,385 sqft (0.996 acres)
Lot Dimensions	317 ft deep x 137 ft wide
Garage Type	Detached
Garage Area	864 sqft
Driveway	Driveway
Driveway Area	1,200 sqft
Pool Area	288 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5302 E 12TH ST
City	PANAMA CITY
State	FL
Zip	32404-9427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 4S 14W -15.3- COM AT SW COR OF N1/2 OF THE SW1/4 OF SE1/4 OF NW1/4 TH RUN S49 DEG W 54.02 FOR POB TH RUN N 318.95 TO THE SOUTH R/W LINE OF 12TH ST TH RUN E ALONG SAID R/W LINE 121.55 TH RUN S 315.43 TH W 137.34 TO POB ORB 3591 P 778
Legal Range	14W
Legal Township	04S
Legal Section	01
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1027
Census Tract	1100

Owner

5302 E 12th St is owned and occupied by an individual who acquired it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	5302 E 12TH ST, PANAMA CITY, FL 32404-9427
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 29, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2014 · Amount on File
Deed Sale	Mar 11, 2014 · Amount on File
Prior Sale	Mar 11, 2014 · Amount on File
Deed Document Number	201412696
Deed Book / Page	3591 / 778
Last Transfer Date	May 30, 2021
Transfer Doc	0045570621
Record Updated	Sep 20, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Apr 29, 2022
Property Address	5302 E 12TH ST, PANAMA CITY, FL 32404-9427
Document Number	0045570621
Book / Page	4557 / 621
Instrument Date	Apr 28, 2022
Instrument	2022032258
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9158 SUNSHINE DR, 9158, YOUNGSTOWN, FL 32466-2004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5316 E 12TH ST, PANAMA CITY, FL 32404-9427

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	5302 E 12TH ST, PANAMA CITY, FL 32404-9427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5302 E 12TH ST, PANAMA CITY, FL 32404-9427

Mortgage

Document Number	0043511312
Date	Jan 15, 2021
Book Page	4351/1312
Instrument	2021003438

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 5302 E 12th St was $1,330 with a homeowner's exemption, down 12.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,330.00 (-12.21%) Homeowner's exemption	$125,975	$177,014 Land $62,387 Building $114,627
2024	$1,515.00 (+3.27%)
2023	$1,467.00 (+11.98%) Homeowner's exemption	$118,859 (+3%)	$155,042 (+13.59%) Land $50,541 Building $104,501
2022	$1,310.00 Homeowner's exemption	$115,397	$136,493 Land $40,748 Building $95,745

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5302 E 12th 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	18 (1998–2021)
Claims Outside the SFHA	10 of 18
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 8 claims Severe Storms And Flooding, Jul 2013 · 2 claims Hurricane Dennis, Jul 2005 · 2 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 5302 E 12th St is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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