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

Bay County property record for 537 E 5th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,036 sqft · built 1925
Lot Size	0.321 acres (13,982 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Dec 2023)
Tax Bill	$2,149 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Oct 2023 Foreclosure + 3 more
Flood Zone	Zone X (moderate risk)
APN	`20445-000-000`

Property Details

APN / Parcel Number

Primary APN	`20445-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,084 sqft Living Area
1st Floor Area	1,036 sqft
Flooring	Tile
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2020
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,982 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Porch	Florida Room
Porch Area	68 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	537 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. LOTS 7 & 8 BLK 7A AND PARTS OF LOTS 9, 11 & 12 DESC AS BEG AT THE NW COR OF LOT 7 TH RUN N 47.3 TO THE SLY R/W LINE OF US HWY 98 TH RUN SELY ALONG SAID R/W 105.8 TO E LINE OF LOT 9 TH RUN S 14.5 TO SE COR OF LOT 9 TH RUN W 100 TO PO
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	7A
Legal Lot Number	7,9,1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4007
Census Tract	1900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3818 QUARTS ST, PANAMA CITY, FL 32408-6450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Oct 12, 2023	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY, ATTORNEY
Mar 22, 2023	Warranty Deed, Transfer · Balloon Mortgage FINGRAY LLC
Jan 22, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Jan 22, 2020	Warranty Deed, Transfer · Line of Credit INNOVATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Oct 12, 2023 · Amount on Record
Deed Document Number	202374889
Deed Book / Page	4753 / 2048
Prior Transfer Date	Oct 10, 2023
Prior Transfer Doc	0047390998
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 1, 2023
Property Address	537 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0047532048
Book / Page	4753 / 2048
Map Reference	MB 1 PG 30
Instrument Date	Nov 30, 2023
Instrument	2023074889
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	NOT AVAILABLE, BURG TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1613 DEWITT ST, PANAMA CITY, FL 32401-4044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3818 QUARTS ST, PANAMA CITY, FL 32408-6450

Mortgage

Document Number	0047532050
Date	Dec 1, 2023
Instrument	4753/2050

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

October 2023: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	BAY FL
Recording Date	Oct 12, 2023
Property Address	537 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0047390998
Book / Page	4739 / 998
Map Reference	MB 1 PG 30
Instrument Date	Oct 10, 2023
Instrument	2023064680
Transaction Type	Foreclosure
Record Updated	Dec 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,662.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 22, 2023
Property Address	537 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0046691379
Book / Page	4669 / 1379
Map Reference	MB 1 PG 30
Instrument Date	Mar 20, 2023
Instrument	2023017027
Transaction Type	Transfer
Record Updated	Apr 4, 2023
Title Company	NOT AVAILABLE, BURG TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1613 DEWITT ST, PANAMA CITY, FL 32401-4044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5757 SMITH RD, WEWAHITCHKA, FL 32465-5345

Mortgage

Document Number	0046691381
Date	Mar 22, 2023
Instrument	4669/1381

Lender

Name	FINGRAY LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 22, 2020
Property Address	537 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0042131866
Book / Page	004213 / 001866
Instrument Date	Jan 15, 2020
Instrument	5250
Transaction Type	Transfer
Record Updated	Feb 10, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1904 DEWITT ST PANAMA CITY FL 324014049, PANAMA CITY, FL 32401-4049

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 22, 2020
Property Address	537 E 5TH CT, PANAMA CITY, FL 32401-3723
Document Number	0042131868
Book / Page	4213 / 1868
Map Reference	MB 1 PG 30
Instrument Date	Jan 13, 2020
Instrument	2020005251
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 SHERWOOD DR SE, 119, HUNTSVILLE, AL 35802-2430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 DEWITT ST, PANAMA CITY, FL 32401-4049

Mortgage

Document Number	0042131870
Date	Jan 22, 2020
Instrument	4213/1870

Lender

Name	INNOVATIONS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 17, 2035

Tax Assessment & Valuation

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	$2,149.00 (-3.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$183,138 (+198.87%) Land $42,532 Building $140,606	$183,138 (+198.87%) Land $42,532 Building $140,606
2024	$2,230.00 (+86.92%)
2023	$1,193.00 (+13.19%)	$61,277 (+12.61%) Land $39,200 Building $22,077	$61,277 (+12.61%) Land $39,200 Building $22,077
2022	$1,054.00	$54,416 Land $34,300 Building $20,116	$54,416 Land $34,300 Building $20,116

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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