Bay County property record for 5319 E 12th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,466 sqft · built 1968 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,715 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14922-000-000 |
| Primary APN | 14922-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,466 sqft Living Area |
| Gross Area | 1,843 sqft |
| 1st Floor Area | 1,466 sqft |
| Flooring | Cork |
| Interior Walls | Paneling |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 330 ft deep x 132 ft wide |
| Garage Type | Attached |
| Garage Area | 377 sqft |
| Driveway | Driveway |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5319 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 BEG 264 W OF SE COR OF S1/2 OF NW1/4 OF SE1/4 OF NE1/4 TH N 330 W 132 S 330 E 132 TO BEG ORB 272 P 192 -12- 118A1 |
| 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 |
5319 E 12th St is owned and occupied by two individuals who acquired it in August 2025.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5319 E 12TH ST, PANAMA CITY, FL 32404-9463 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 13, 2025 |
| Transfer Doc | 0049430770 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 5319 E 12TH ST, PANAMA CITY, FL 32404-9463 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5319 E 12TH ST, PANAMA CITY, FL 32404-9463 |
| Document Number | 0050041062 |
|---|---|
| Date | Feb 23, 2026 |
| Book Page | 5004/1062 |
| Instrument | 2026010538 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
The 2025 property tax bill for 5319 E 12th St was $2,715, up 164.9% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $2,715.00 (+164.88%) | $171,199 Land $59,961 Building $111,238 | $171,199 Land $59,961 Building $111,238 |
| 2024 | $1,025.00 (+4.27%) | ||
| 2023 | $983.00 (+1.44%) Homeowner's exemption Widower's exemption | $93,890 (+3%) | $149,104 (+14.32%) Land $48,576 Building $100,528 |
| 2022 | $969.00 Homeowner's exemption Widower's exemption | $91,155 | $130,427 Land $39,164 Building $91,263 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5319 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 5319 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures