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

Bay County property record for 610 E 5th St, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 809 sqft · built 1940
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (May 2025)
Tax Bill	$480 (2025)
Deeds & Mortgages	Mar 2024 Transfer May 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20498-000-000`

Property Details

APN / Parcel Number

Primary APN	`20498-000-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	809 sqft Living Area
1st Floor Area	704 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,969 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Florida Room
Porch Area	121 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	610 E 5TH ST
City	PANAMA CITY
State	FL
Zip	32401-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC02
Legal Description	SUDDUTHS 1ST ADD. LOT 21 BLK 11 MAP 105C2 ORB 4779 P 2034
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	11
Legal Lot Number	21
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4023
Census Tract	1900

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 14, PANAMA CITY, FL 32402-0014
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 9, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2025 · Amount on Record
Deed Sale	May 20, 2025 · Amount on Record
Prior Sale	Sep 19, 2000 · Amount on Record
Deed Document Number	202528105
Deed Book / Page	4914 / 1592
Prior Transfer Date	Mar 5, 2024
Prior Transfer Doc	0047792034
Record Updated	Jun 8, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Mar 5, 2024
Property Address	610 E 5TH ST, PANAMA CITY, FL 32401-3722
Document Number	0047792034
Book / Page	4779 / 2034
Map Reference	MB 1 PG 30
Instrument Date	Mar 5, 2024
Instrument	2024012565
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 E 5TH ST # ST3, ST3, PANAMA CITY, FL 32401-3722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E 5TH ST, P C BEACH, FL 32401-3722

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	May 9, 2022
Property Address	610 E 5TH ST, PANAMA CITY, FL 32401-3722
Document Number	0045610671
Book / Page	4561 / 671
Map Reference	MB 1974 PG 310
Instrument Date	Oct 18, 2021
Instrument	2022034807
Transaction Type	Transfer
Record Updated	Jun 6, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2818 AGNES SCOTT DR, 2818, PANAMA CITY, FL 32405-3802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E 5TH ST, PANAMA CITY, FL 32401-3722

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	$480.00 (-22.46%) Homeowner's exemption	$66,088 (-11.36%)	$84,858 (+13.81%) Land $21,266 Building $63,592
2024	$619.00 (-49.22%)
2023	$1,219.00 (+75.9%)	$74,558 (+140.6%) Land $19,600 Building $54,958	$74,558 (+140.6%) Land $19,600 Building $54,958
2022	$693.00	$30,988 Land $17,150 Building $13,838	$30,988 Land $17,150 Building $13,838

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
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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