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

Bay County property record for 561 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1941
Lot Size	0.241 acres (10,497 sqft)
Owner	Company Name on Record
Last Sale	$170,000 (Jul 2022)
Tax Bill	$2,616 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20466-000-000`

Property Details

APN / Parcel Number

Primary APN	`20466-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1941
Effective Year Built	Effective 2011
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	640 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	561 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 14 & E1/2 LOT 13 BLK 9 MAP 105C2 ORB 4773 P 1587
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	9
Legal Lot Number	14,13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4025
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	Company Name on Record
Mailing Address	100 HAMILTON AVE, PANAMA CITY, FL 32401-3816
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2024	Deed of Trust, Mortgage · Conventional Mortgage NEXERA HOLDING LLC
Feb 14, 2024	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 20, 2022	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2022 · Amount on Record
Deed Sale	Jul 20, 2022 · Amount on Record
Deed Document Number	202253944
Deed Book / Page	4589 / 2182
Last Transfer Date	Feb 12, 2024
Transfer Doc	0047731587
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	561 E 5TH ST, PANAMA CITY, FL 32401-3719
Transaction Type	Mortgage
Record Updated	Mar 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 BOSCOBEL ST, NASHVILLE, TN 37206-2014

Mortgage

Document Number	0047731473
Date	Feb 14, 2024
Book Page	4773/1473
Instrument	2024008243

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company
Address	EMERYVILLE, CA 94608

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 14, 2024
Property Address	561 E 5TH ST, PANAMA CITY, FL 32401-3719
Document Number	0047731587
Book / Page	4773 / 1587
Map Reference	MB 1 PG 30
Instrument Date	Feb 12, 2024
Instrument	2024008292
Transaction Type	Transfer
Record Updated	Mar 7, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 HAMILTON AVE, PANAMA CITY, FL 32401-3816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 HAMILTON AVE, PANAMA CITY, FL 32401-3816

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 20, 2022
Property Address	561 E 5TH ST, PANAMA CITY, FL 32401-3719
Document Number	0045892182
Book / Page	4589 / 2182
Map Reference	MB 1 PG 30
Instrument Date	Jul 18, 2022
Instrument	2022053944
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15644 MAGNOLIA PARK, 15644, CONROE, TX 77306-6934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 HAMILTON AVE, PANAMA CITY, FL 32401-3816

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	$2,616.00 (-6.07%)	$165,647 (+13.73%) Land $31,899 Building $133,748	$165,647 (+13.73%) Land $31,899 Building $133,748
2024	$2,785.00 (+7.99%)
2023	$2,579.00 (+114.92%)	$145,649 (+133.48%) Land $29,400 Building $116,249	$145,649 (+133.48%) Land $29,400 Building $116,249
2022	$1,200.00	$62,382 Land $25,725 Building $36,657	$62,382 Land $25,725 Building $36,657

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 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 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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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