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

Bay County property record for 551 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1944
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on File
Last Sale	$218,000 (Mar 2023)
Tax Bill	$2,323 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20465-000-000`

Property Details

APN / Parcel Number

Primary APN	`20465-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Living Area
Gross Area	1,105 sqft
1st Floor Area	896 sqft
Flooring	Tile
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 2014
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	209 sqft
Driveway	Driveway
Driveway Area	600 sqft
Porch	Open Porch
Porch Area	80 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	551 E 5TH ST
City	PANAMA CITY
State	FL
Zip	32401-3719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. LOT 12 & W1/2 LOT 13 BLK 9 ORB 4672 P 2246
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	9
Legal Lot Number	12,13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4025
Census Tract	1900

Owner

551 E 5th St is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	551 E 5TH ST, PANAMA CITY, FL 32401-3719
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2023 · Amount on File
Deed Sale	Mar 30, 2023 · Amount on File
Prior Sale	Jul 7, 2016 · Amount on File
Deed Document Number	202319196
Deed Book / Page	4672 / 2246
Prior Transfer Date	Jun 8, 2016
Prior Transfer Doc	0038110546
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 30, 2023
Property Address	551 E 5TH ST, PANAMA CITY, FL 32401-3719
Document Number	0046722246
Book / Page	4672 / 2246
Map Reference	MB 1 PG 30
Instrument Date	Mar 29, 2023
Instrument	2023019196
Transaction Type	Transfer
Record Updated	Apr 21, 2023
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	327 W 34TH PL, PANAMA CITY, FL 32405-3306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E 5TH ST, PANAMA CITY, FL 32401-3719

Mortgage

Document Number	0046722248
Date	Mar 30, 2023
Instrument	4672/2248

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 551 E 5th St was $2,323 with a homeowner's exemption, down 3.8% from the year before.

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	$2,323.00 (-3.77%) Homeowner's exemption	$189,139 Land $31,899 Building $157,240	$189,139 Land $31,899 Building $157,240
2024	$2,414.00 (+235.74%)
2023	$719.00 (-1.91%) Homeowner's exemption	$74,057 (+15%)	$92,614 (+32.46%) Land $29,400 Building $63,214
2022	$733.00 Homeowner's exemption	$64,399	$69,916 Land $25,725 Building $44,191

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

Flood

FEMA maps place 551 E 5th 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 AE, within 500 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 551 E 5th St 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.

Nearby Properties on E 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures