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

Bay County property record for 548 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 904 sqft · built 1941
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Oct 2002)
Tax Bill	$188 (2025)
Deeds & Mortgages	Oct 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20503-000-000`

Property Details

APN / Parcel Number

Primary APN	`20503-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	904 sqft Heated Area
Gross Area	1,120 sqft
1st Floor Area	904 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1955
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Driveway	Driveway
Driveway Area	810 sqft
Porch	Porch
Porch Area	200 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	548 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 4 BLK 12 ORB 1274 P 910 ORB 1426 P 1801
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	12
Legal Lot Number	4
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 23, 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	548 E 5TH ST, PANAMA CITY, FL 32401-3720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2002 · Amount on Record
Deed Sale	Oct 31, 2002 · Amount on Record
Prior Sale	Oct 31, 2002 · Amount on Record
Deed Document Number	0022001579
Last Transfer Date	Oct 21, 2020
Transfer Doc	0043130632
Record Updated	Jun 8, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Oct 21, 2020
Property Address	548 E 5TH ST, PANAMA CITY, FL 32401-3720
Document Number	0043130632
Book / Page	004313 / 000632
Instrument Date	Oct 21, 2020
Instrument	70034
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 E 5TH ST PANAMA CITY FL 324013720, PANAMA CITY, FL 32401-3720

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$188.00 (-37.54%) Homeowner's exemption	$36,946 (+12.82%)	$68,895 (+14.42%) Land $21,266 Building $47,629
2023	$301.00 (-18.43%) Homeowner's exemption	$32,748 (+3%)	$60,212 (+11.08%) Land $19,600 Building $40,612
2022	$369.00 Homeowner's exemption	$31,794	$54,208 Land $17,150 Building $37,058

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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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