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5316 E 12th St, Panama City, FL 32404 Property Records

Bay County property record for 5316 E 12th St, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,602 sqft · built 2004
Lot Size1.2 acres (52,403 sqft)
OwnerIndividual Name on File
Tax Bill$2,596 (2025)
Deeds & MortgagesMar 2024 Transfer
Mar 2024 Transfer
Flood ZoneZone A (high risk)
APN14925-010-000

Property Details

APN / Parcel Number

Primary APN14925-010-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,602 sqft Heated Area
Gross Area2,535 sqft
1st Floor Area1,602 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area52,403 sqft (1.2 acres)
Lot Dimensions125 ft deep x 84 ft wide
Garage Area504 sqft
DrivewayDriveway
Driveway Area880 sqft

Exterior Amenities

Pool Area336 sqft
PorchPorch
Porch Area240 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address5316 E 12TH ST
CityPANAMA CITY
StateFL
Zip32404-9427
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1 4S 14W -15.2- 118A1 COM AT NW COR OF N1/2 OF SW1/4 OF SE1/4 OF NE1/4 E 84' S 125'
Legal Range14W
Legal Township04S
Legal Section01
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1027
Census Tract1100

Owner

5316 E 12th St is owned and occupied by an individual who acquired it in March 2024.

Source: Bay County records, as of January 23, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address5316 E 12TH ST, PANAMA CITY, FL 32404-9427
OccupancyOwner Occupied
Owner TypeIndividual

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
Mar 13, 2024Correction Deed
ACCOMODATION, ACCOMMODATION
Mar 11, 2024Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateMar 11, 2024
Transfer Doc0047810850
Record UpdatedJun 8, 2026

March 2024: Correction Deed

Document TypeCorrection Deed
JurisdictionBAY FL
Recording DateMar 13, 2024
Property Address5316 E 12TH ST, PANAMA CITY, FL 32404-9427
Document Number0047820759
Book / Page4782 / 759
Instrument DateMar 11, 2024
Instrument2024014424
Record UpdatedApr 9, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address5316 E 12TH ST, PANAMA CITY, FL 32404-9427

Transferred To (Grantee/Buyer)

NameVerified Name
Address5316 E 12TH ST, PANAMA CITY, FL 32404-9427

March 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateMar 11, 2024
Property Address5316 E 12TH ST, PANAMA CITY, FL 32404-9427
Document Number0047810850
Book / Page4781 / 850
Instrument DateMar 11, 2024
Instrument2024013731
Transaction TypeTransfer
Record UpdatedApr 9, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5316 E 12TH ST, PANAMA CITY, FL 32404-9427

Transferred To (Grantee/Buyer)

NameVerified Name
Address5316 E 12TH ST, PANAMA CITY, FL 32404-9427

Tax Assessment & Valuation

The 2025 property tax bill for 5316 E 12th St was $2,596 with exemptions applied.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalitySpringfield City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,596.00 Homeowner's exemption Widower's exemption$210,779$256,749 Land $70,702 Building $186,047
2023$2,718.00 (+30.3%) Homeowner's exemption Widower's exemption$198,873 (+22.76%)$226,592 (+29.63%) Land $57,277 Building $169,315
2022$2,086.00 Homeowner's exemption Widower's exemption$162,003$174,802 Land $20,371 Building $154,431

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

Flood

FEMA maps place 5316 E 12th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 39 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims18 (1998–2021)
Claims Outside the SFHA10 of 18
Most Recent ClaimOct 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 5316 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 RiskModerate
above 55% of the US · lower than 73% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF SPRINGFIELD
serves 8,075 people · EPA ID FL1030148
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionOct 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

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

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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)
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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