1015 Spring Ave, Panama City, FL 32401 Property Records

Bay County property record for 1015 Spring Ave, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 2002
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$500 (Apr 2018)
Tax Bill	$698 (2025)
Deeds & Mortgages	Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`15859-000-002`

Property Details

APN / Parcel Number

Primary APN	`15859-000-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,144 sqft Heated Area
Gross Area	1,340 sqft
1st Floor Area	1,144 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	140 ft deep x 53 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	300 sqft
Porch	Porch
Porch Area	196 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1015 SPRING AVE
City	PANAMA CITY
State	FL
Zip	32401-4542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	3 4S 14W -48.4- 105A4 COM AT NW COR OF NW1/4 OF NE1/4 OF SE1/4 S 147' E 305'
Legal Range	14W
Legal Township	04S
Legal Section	03
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1005
Census Tract	1700

Owner

1015 Spring Ave is owned and occupied by two individuals who bought it in April 2018.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1015 SPRING AVE, PANAMA CITY, FL 32401-4542
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2018 · Amount on File
Deed Sale	Apr 5, 2018 · Amount on File
Deed Document Number	0039952224
Deed Book / Page	3995 / 2224
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 5, 2018
Property Address	1015 SPRING AVE, PANAMA CITY, FL 32401-4542
Document Number	0039952224
Book / Page	003995 / 002224
Instrument Date	Apr 5, 2018
Instrument	20082
Transaction Type	Transfer
Record Updated	Apr 18, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 SPRING AVE PANAMA CITY FL 324014542, PANAMA CITY, FL 32401-4542

Tax Assessment & Valuation

The 2025 property tax bill for 1015 Spring Ave was $698 with a homeowner's exemption.

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

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	$698.00 Homeowner's exemption	$86,237	$96,787 Land $17,040 Building $79,747
2023	$869.00 (-2.8%) Homeowner's exemption	$81,366 (+3%)	$88,648 (+8.76%) Land $11,534 Building $77,114
2022	$894.00 Homeowner's exemption	$78,996	$81,507 Land $10,748 Building $70,759

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1015 Spring Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	16 (1999–2024)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Michael, Oct 2018 · 4 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

Wildfire risk around 1015 Spring Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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 266 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	300 / 20