Bay County property record for 5500 E 12th St, Panama City, FL 32404
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 5 bd · 3 ba · 2,003 sqft · built 1962 |
| Lot Size | 0.716 acres (31,188 sqft) |
| Owner | Individual Name on File |
| Last Sale | $51,000 (Nov 2007) |
| Tax Bill | $1,625 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14928-000-000 |
| Primary APN | 14928-000-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,003 sqft Living Area |
| 1st Floor Area | 1,912 sqft |
| Flooring | Cork |
| Interior Walls | Plywood |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Multi-Family |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 31,188 sqft (0.716 acres) |
| Lot Dimensions | 306 ft deep x 102 ft wide |
| Porch | Florida Room |
| Porch Area | 139 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5500 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9429 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | 1-4S-14W-18-118A1 BEG 68 S & 197.08 E OF NW COR OF N1/2 OF SE1/4 OF SE1/4 OF NE1/4 TH S 292.89 E 101.87 N 306.64 WLY 102.64 TO POB ORB 1364 P 1069 ORB 2741 P 1463 PROBATE FILE #2004-769-CP |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 1100 |
5500 E 12th St, a residential property, is owned by an individual who acquired it in September 2025.
Source: Bay County records, as of June 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5504 E 12TH ST, PANAMA CITY, FL 32404-9429 |
| Owner Type | Individual |
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 | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2007 · Amount on File |
| Deed Sale | Nov 26, 2007 · Amount on File |
| Deed Document Number | 200779662 |
| Deed Book / Page | 2997 / 2371 |
| Last Transfer Date | Sep 24, 2025 |
| Transfer Doc | 0000056352 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 5500 E 12th St was $1,625.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,625.00 | $124,889 Land $45,931 Building $78,958 | $124,889 Land $45,931 Building $78,958 |
| 2023 | $1,456.00 (+19.25%) | $111,388 (+12.7%) Land $37,209 Building $74,179 | $111,388 (+12.7%) Land $37,209 Building $74,179 |
| 2022 | $1,221.00 | $98,838 Land $30,000 Building $68,838 | $98,838 Land $30,000 Building $68,838 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5500 E 12th St in Zone X, an area of minimal flood risk, within 500 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 500 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 5500 E 12th St is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon, WOW Internet, Cable & Phone.
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