Zip Code 32413 Description. Zip Code 32413 is located in the state of Florida in the Panama City metro area. Zip code 32413 is primarily located in Bay County. Portions of 32413 are also located in Walton County. The official US Postal Service name for 32413 is PANAMA CITY BEACH, Florida. Portions of zip code 32413 are contained within or border the city limits of Panama City Beach, FL, Laguna Beach, FL, .