Bay County property record for 626 E 5th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,298 sqft · built 1945 |
| Lot Size | 0.289 acres (12,588 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $130,000 (Aug 2025) |
| Tax Bill | $510 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 20494-000-000 |
| Primary APN | 20494-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,298 sqft Living Area |
| 1st Floor Area | 1,238 sqft |
| Flooring | Wood |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,588 sqft (0.289 acres) |
| Lot Dimensions | 140 ft deep x 90 ft wide |
| Garage Type | Detached |
| Garage Area | 544 sqft |
| Driveway | Driveway |
| Porch | Florida Room |
| Porch Area | 412 sqft |
| Patio Area | 198 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 626 E 5TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC09 |
| Legal Description | SUDDUTHS 1ST ADD LOT 15 & 16 ORB 3465 P 1270 BLK 11 MAP 105C2 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 1ST ADD |
| Legal Block | 11 |
| Legal Lot Number | 15,16 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 1900 |
Source: Bay County records, as of March 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 6721 YACHT CLUB DR, PANAMA CITY, FL 32404-9042 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2025 · Amount on Record |
| Deed Sale | Aug 14, 2025 · Amount on Record |
| Deed Document Number | 202546016 |
| Deed Book / Page | 4942 / 233 |
| Prior Transfer Date | Dec 6, 2012 |
| Prior Transfer Doc | 0034651270 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 4, 2026 |
| Property Address | 626 E 5TH ST, PANAMA CITY, FL 32401-3722 |
| Document Number | 0050090155 |
| Book / Page | 5009 / 155 |
| Map Reference | MB 1 PG 30 |
| Instrument Date | Mar 4, 2026 |
| Instrument | 2026013214 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6721 YACHT CLUB DR, PANAMA CITY, FL 32404-9042 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6721 YACHT CLUB DR, PANAMA CITY, FL 32404-9042 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $510.00 (-21.42%) Homeowner's exemption | $71,754 (+5.99%) | $106,502 (+11.88%) Land $38,279 Building $68,223 |
| 2024 | $649.00 (-7.55%) | ||
| 2023 | $702.00 (-7.27%) Homeowner's exemption | $67,701 (+3%) | $95,193 (+10.79%) Land $35,280 Building $59,913 |
| 2022 | $757.00 Homeowner's exemption | $65,729 | $85,923 Land $30,870 Building $55,053 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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