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5920 E 5th St, Panama City, FL 32404 Property Records

Bay County property record for 5920 E 5th St, Panama City, FL 32404

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,212 sqft · built 1979
Lot Size0.244 acres (10,672 sqft)
OwnerIndividual Name on Record
Last Sale$197,000 (Jul 2021)
Tax Bill$2,533 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Feb 2018 Sale
+ 1 more
Flood ZoneZone AE (high risk)
APN06211-007-000

Property Details

APN / Parcel Number

Primary APN06211-007-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,212 sqft Heated Area
Gross Area1,450 sqft
1st Floor Area1,212 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area10,672 sqft (0.244 acres)
Lot Dimensions103 ft deep x 104 ft wide
PorchPorch
Porch Area206 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address5920 E 5TH ST
CityPANAMA CITY
StateFL
Zip32404-6137
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBC16
Legal Description7 4S 13W ST A B DEV CO PLAT BEG 500' E S 850' & 160' W OF NW COR OF LOT 22 FOR POB TH W
Legal Range13W
Legal Township04S
Legal Section07
Legal SubdivisionANDREWS BAY DEV
Legal Lot Number22
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2050
Census Tract803

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 RecordIndividual Name on Record
Mailing Address5920 E 5TH ST, PANAMA CITY, FL 32404-6137
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 19, 2021Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Feb 13, 2018Warranty Deed, Transfer
FIRST INT'L TITLE
Sep 28, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 19, 2021 · Amount on Record
Deed SaleJul 19, 2021 · Amount on Record
Prior SaleFeb 13, 2018 · Amount on Record
Deed Document Number2021054856
Deed Book / Page4435 / 1010
Record UpdatedJun 8, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJul 19, 2021
Property Address5920 E 5TH ST, PANAMA CITY, FL 32404-6137
Document Number0044351010
Book / Page4435 / 1010
Instrument DateJul 16, 2021
Instrument2021054856
Transaction TypeTransfer
Record UpdatedAug 4, 2021
Title CompanyCORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,379.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7813 TURNBACK LEDGE TRL, 7813, LAGO VISTA, TX 78645-4820

Transferred To (Grantee/Buyer)

NameVerified Name
Address7813 TURNBACK LEDGE TRAIL, PANAMA CITY, FL 32404

Mortgage

Document Number44351012
DateJul 19, 2021
Instrument4435/1012
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateFeb 13, 2018
Property Address5920 E 5TH ST, PANAMA CITY, FL 32404-6137
Document Number0039791230
Book / Page003979 / 001230
Instrument DateFeb 13, 2018
Instrument8476
Transaction TypeTransfer
Record UpdatedFeb 28, 2018
Title CompanyFIRST INT'L TITLE

Transaction

AmountAmount Recorded
Tax$1,022.00
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
AddressPO BOX 13177 MEXICO BEACH FL 324103177, MEXICO BEACH, FL 32410-3177

September 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateSep 28, 2017
Property Address5920 E 5TH ST, PANAMA CITY, FL 32404-6137
Document Number0039402364
Book / Page003940 / 002364
Instrument DateSep 26, 2017
Instrument55770
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$480.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address601 E PINE FOREST DR LYNN HAVEN FL 324444319, LYNN HAVEN, FL 32444-4319

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,533.00 (+6.43%)$204,731 (+8%) Land $25,334 Building $179,397$204,731 (+8%) Land $25,334 Building $179,397
2024$2,380.00 (+5.12%)$189,564 (+6.41%) Land $20,810 Building $168,754$189,564 (+6.41%) Land $20,810 Building $168,754
2023$2,264.00 (+19.22%)$178,148 (+10.6%) Land $23,524 Building $154,624$178,148 (+10.6%) Land $23,524 Building $154,624
2022$1,899.00$161,068 Land $20,810 Building $140,258$161,068 Land $20,810 Building $140,258

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims14 (1995–2022)
Claims Outside the SFHA12 of 14
Most Recent ClaimSep 2022 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 3 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 RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCALLAWAY, CITY OF WATER SYSTEM
serves 20,520 people · EPA ID FL1030141
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionMay 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 310 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

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