546 E 5th St, Panama City, FL 32401 Property Records

Bay County property record for 546 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,166 sqft · built 1955
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Oct 2021)
Tax Bill	$2,026 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20504-000-000`

Property Details

APN / Parcel Number

Primary APN	`20504-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,166 sqft Living Area
1st Floor Area	1,036 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,969 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	548 sqft
Carport	Carport
Carport Area	548 sqft
Driveway	Driveway
Porch	Florida Room
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	546 E 5TH ST
City	PANAMA CITY
State	FL
Zip	32401-3720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. LOT 5 BLK 12 ORB 4473 P 2107
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	12
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4024
Census Tract	1900

Owner

Source: Bay County records, as of January 5, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	546 E 5TH ST, PANAMA CITY, FL 32401-3720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Feb 1, 2016 · Amount on Record
Deed Document Number	202179239
Deed Book / Page	4473 / 2107
Prior Transfer Date	Feb 4, 2016
Prior Transfer Doc	0037700285
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 15, 2021
Property Address	546 E 5TH ST, PANAMA CITY, FL 32401-3720
Document Number	0044732107
Book / Page	4473 / 2107
Map Reference	MB 1 PG 30
Instrument Date	Oct 15, 2021
Instrument	2021079239
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	OMEGA TITLE FLORIDA LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1336 CAPRI DR, 1336, PANAMA CITY, FL 32405-3255

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 E 5TH ST, PANAMA CITY, FL 32401-3720

Mortgage

Document Number	44732109
Date	Oct 15, 2021
Instrument	4473/2109

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	0044732383
Date	Oct 15, 2021
Book Page	4473/2383
Instrument	2021079310

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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	$2,026.00 (-3.71%) Homeowner's exemption	$170,341 (+5.99%)	$182,909 (+13.81%) Land $21,266 Building $161,643
2024	$2,104.00 (-6.2%)
2023	$2,243.00 (-14.19%) Homeowner's exemption	$160,718 (+3.2%) Land $19,600 Building $141,118	$160,718 (+3.2%) Land $19,600 Building $141,118
2022	$2,614.00	$155,728 Land $17,150 Building $138,578	$155,728 Land $17,150 Building $138,578

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

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 minimal risk
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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