Bay County property record for 102 E 15th St, Panama City, FL 32405
| Property Type | Commercial Office |
|---|---|
| Details | 2 bd · 1 ba · 680 sqft · built 1980 |
| Lot Size | 0.755 acres (32,888 sqft) |
| Owner | Company Name on File |
| Last Sale | $250,000 (Apr 2016) |
| Tax Bill | $2,957 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 18305-000-000 |
| Primary APN | 18305-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 680 sqft Total Area |
| 1st Floor Area | 560 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1980 |
|---|---|
| Exterior Material | Metal |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 32,888 sqft (0.755 acres) |
| Lot Dimensions | 140 ft deep x 235 ft wide |
| Garage Type | Mixed |
| Porch | Porch |
|---|---|
| Porch Area | 306 sqft |
| Deck Area | 306 sqft |
| Fence | Fence |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air |
| Street Address | 102 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5405 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | PC09 |
| Legal Description | WASHINGTON HEIGHTS LOTS 1 THRU 10 INC BLK 1 ORB 3788 P 806 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 05 |
| Legal Subdivision | WASHINGTON HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 1-10 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 2000 |
102 E 15th St, a commercial property, is owned by a company that bought it in April 2016.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2137 SHERMAN AVE, PANAMA CITY, FL 32405-6236 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2016 · Amount on File |
| Deed Sale | Apr 20, 2016 · Amount on File |
| Prior Sale | Dec 2, 2009 · Amount on File |
| Deed Document Number | 2016019899 |
| Deed Book / Page | 3788 / 0806 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 102 E 15th St was $2,957.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $2,957.00 | $187,239 Land $164,500 Building $22,739 | $187,239 Land $164,500 Building $22,739 |
| 2023 | $3,079.00 (+18.97%) | $188,445 (+20.04%) Land $164,500 Building $23,945 | $188,445 (+20.04%) Land $164,500 Building $23,945 |
| 2022 | $2,588.00 | $156,987 Land $131,600 Building $25,387 | $156,987 Land $131,600 Building $25,387 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 E 15th St 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 47 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 93 (1984–2020) |
| Claims Outside the SFHA | 64 of 93 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
The area around 102 E 15th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 253 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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