Bay County property record for 5317 E 12th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,230 sqft · built 1986 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $297 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14921-010-000 |
| Primary APN | 14921-010-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,230 sqft Heated Area |
| Gross Area | 3,454 sqft |
| 1st Floor Area | 2,230 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 330 ft deep x 132 ft wide |
| Garage Area | 748 sqft |
| Pool Area | 420 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 476 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 5317 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9463 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 1-4S-14W-11.1-118A1 BEG 396' W OF SE COR OF S1/2 OF NW1/4 OF SE1/4 OF NE1/4 TH N 330' W |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 1100 |
5317 E 12th St is owned and occupied by two individuals.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5317 E 12TH ST, PANAMA CITY, FL 32404-9463 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $169,716 | $254,972 Land $59,961 Building $195,011 | |
| 2024 | $297.00 (+4.95%) | ||
| 2023 | $283.00 (+5.2%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $160,129 (+3%) | $225,400 (+12.46%) Land $48,576 Building $176,824 |
| 2022 | $269.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $155,465 | $200,425 Land $39,164 Building $161,261 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5317 E 12th St in Zone X, an area of minimal flood risk, within 100 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 100 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 |
|
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 5317 E 12th St is moderate, ranking above 61% 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 61% of the US · lower than 64% 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.
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 |
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.
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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