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

Bay County property record for 535 E 5th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 1941
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on File
Tax Bill	$442 (2025)
Deeds & Mortgages	Jul 2026 Sale Aug 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20444-000-000`

Property Details

APN / Parcel Number

Primary APN	`20444-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	952 sqft Living Area
Gross Area	1,152 sqft
1st Floor Area	952 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1991
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	200 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	535 E 5TH CT
City	PANAMA CITY
State	FL
Zip	32401-3723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC09
Legal Description	SUDDUTHS 1ST ADD LOT 6 BLK 7A ORB 4719 P 1934 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	7A
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4007
Census Tract	1900

Owner

535 E 5th Ct is owned and occupied by two individuals who acquired it in August 2023.

Source: Bay County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	535 E 5TH CT, PANAMA CITY, FL 32401-3723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Jul 13, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Aug 11, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 11, 2023
Transfer Doc	0047191934
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Jul 13, 2026
Property Address	535 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0000041993
Book / Page	5055 / 130
Instrument Date	Jul 10, 2026
Instrument	202641993
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	535 E 5TH CT, PANAMA CITY, FL 32401-3723

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Aug 11, 2023
Property Address	535 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0047191934
Book / Page	4719 / 1934
Instrument Date	Aug 11, 2023
Instrument	2023050985
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	535 E 5TH CT, PANAMA CITY, FL 32401-3723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1721 HIGHWAY 165, PITTSVIEW, AL 36871-2853

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Aug 10, 2020
Property Address	535 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0042841834
Book / Page	004284 / 001834
Instrument Date	Jul 20, 2020
Instrument	52146
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	535 E 5TH CT PANAMA CITY FL 324013723, PANAMA CITY, FL 32401-3723

Tax Assessment & Valuation

The 2025 property tax bill for 535 E 5th Ct was $442 with a homeowner's exemption.

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	$442.00 Homeowner's exemption	$43,514	$89,489 Land $21,266 Building $68,223
2023	$404.00 (+21.69%) Homeowner's exemption	$41,056 (+31.17%)	$78,366 (+117.13%) Land $19,600 Building $58,766
2022	$332.00 Homeowner's exemption	$31,299	$36,091 Land $17,150 Building $18,941

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

Flood

FEMA maps place 535 E 5th Ct 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 535 E 5th Ct is low, with less than a 0.01% annual chance of 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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