Bay County property record for 1137 E 15th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 860 sqft · built 1941 |
| Lot Size | 0.114 acres (4,965 sqft) |
| Owner | Company Name on File |
| Tax Bill | $265 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14445-000-000 |
| Primary APN | 14445-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 860 sqft Living Area |
| 1st Floor Area | 860 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Exterior Material | Shingles |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,965 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Street Address | 1137 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC11 |
| Legal Description | 33 3S 14W -40.1- MAP 104C4 BEG 879.6 W & 540 N OF SE COR OF SE1/4 OF SE1/4 FOR POB TH N 50 E 100 S 50 W 100 TO POB ORB 1064 P 9 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 33 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1600 |
1137 E 15th St, a single family home, is owned by a company.
Source: Bay County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 607, CHIPLEY, FL 32428-0607 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1137 E 15th St was $265, down 51.5% from the year before.
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 | $265.00 (-51.47%) | $16,802 Land $13,600 Building $3,202 | $16,802 Land $13,600 Building $3,202 |
| 2024 | $546.00 (+27.57%) | ||
| 2023 | $428.00 (+79.83%) | $14,192 (+29.17%) Land $11,475 Building $2,717 | $14,192 (+29.17%) Land $11,475 Building $2,717 |
| 2022 | $238.00 Homeowner's exemption | $10,987 Land $8,542 Building $2,445 | $10,987 Land $8,542 Building $2,445 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1137 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 6 (1984–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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.
Wildfire risk around 1137 E 15th St 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 99.8% of the US · lower than 99.7% 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.
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 172 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 · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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