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1147 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 1147 E 15th St, Panama City, FL 32405

Property Summary

Property TypeCommercial Vacant Land
Lot Size3.01 acres (131,376 sqft)
OwnerCompany Name on File
Last Sale$485,000 (Jan 2022)
Tax Bill$2,897 (2025)
Deeds & MortgagesJan 2022 Sale & Line of Credit
Dec 2021 Sale
Flood ZoneZone X (minimal risk)
APN14444-000-000

Property Details

APN / Parcel Number

Primary APN14444-000-000

Interior

Total Rooms3 Rooms

Exterior

Lot Area131,376 sqft (3.01 acres)
Lot Dimensions500 ft deep x 200 ft wide

Location & Zoning

Street Address1147 E 15TH ST
CityPANAMA CITY
StateFL
Zip32405-6103
Property CategoryCommercial
Property TypeVacant Land > Commercial
Local Zoning CodePC11
Legal Description33 3S 14W -40- 104C4 BEG 40 N & 479.5 W OF SE COR OF SEC TH CONT W 200.10 TH N 500 W 85 N 100.3 E 294.7 S 600.3 TO POB LESS 10X 15 TO R/W ORB 4508 P 650
Legal Range14W
Legal Township03S
Legal Section33
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1014
Census Tract1600

Owner

1147 E 15th St, commercial vacant land, is owned by a company that bought it in January 2022.

Source: Bay County records, as of May 6, 2026

Owner of RecordCompany Name on File
Mailing AddressPO BOX 607, CHIPLEY, FL 32428-0607
Owner TypeCompany

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

DateDocument
Jan 5, 2022Personal Representative Deed, Transfer · Line of Credit
COMMUNITY BANK OF MISSISSIPPI
Dec 8, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 5, 2022 · Amount on File
Deed SaleJan 5, 2022 · Amount on File
Prior SaleJul 1, 2003 · Amount on File
Deed Document Number20221254
Deed Book / Page4508 / 650
Record UpdatedJun 8, 2026

January 2022: Personal Representative Deed, Transfer

Document TypePersonal Representative Deed
JurisdictionBAY FL
Recording DateJan 5, 2022
Property Address1147 E 15TH ST, PANAMA CITY, FL 32405-6103
Document Number0045080650
Book / Page4508 / 650
Instrument DateJan 3, 2022
Instrument2022001254
Transaction TypeTransfer
Record UpdatedJan 27, 2022
Title CompanyNORTH CENTRAL TITLE INC, NORTH CENTRAL TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,395.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address301 LARKSHYRE TRL, 301, LAWRENCEVILLE, GA 30043-4479

Transferred To (Grantee/Buyer)

NameVerified Name
Address4337 DE LEN DR, PANAMA CITY, FL 32404-4281

Mortgage

Document Number0004508653
DateJan 5, 2022
Instrument4508/653
Lender
NameCOMMUNITY BANK OF MISSISSIPPI
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateDec 8, 2021
Property Address1147 E 15TH ST, PANAMA CITY, FL 32405-6103
Document Number0044961255
Book / Page4496 / 1255
Instrument DateNov 22, 2021
Instrument2021093222
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1155 E 17TH ST, 1155, PANAMA CITY, FL 32405-6148

Transferred To (Grantee/Buyer)

NameVerified Name
Address301 LARKSHYRE TRL, LAWRENCEVILLE, GA 30043-4479

Tax Assessment & Valuation

The 2025 property tax bill for 1147 E 15th St was $2,897, down 0.7% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,897.00 (-0.69%)$183,463 Land $183,463$183,463 Land $183,463
2024$2,917.00 (-6.81%)
2023$3,130.00 (+3.51%)$183,462 (-2.29%) Land $183,462$183,462 (-2.29%) Land $183,462
2022$3,024.00$187,762 Land $183,462 Building $4,300$187,762 Land $183,462 Building $4,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1147 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 39 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims6 (1984–2018)
Claims Outside the SFHA2 of 6
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 3 claims
  • Hurricane Opal, Oct 1995 · 2 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 1147 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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 172 locations within half a mile, as of December 31, 2025

ProviderMax 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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