1151 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 1151 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Office
Details	5,000 sqft · built 1977
Lot Size	1.96 acres (85,638 sqft)
Owner	Company Name on File
Last Sale	$550,000 (Oct 2017)
Tax Bill	$5,741 (2025)
Deeds & Mortgages	Mar 2019 Loan Modification Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14443-020-000`

Property Details

APN / Parcel Number

Primary APN	`14443-020-000`

Interior

Total Rooms	14 Rooms
Units	2 Units
Stories	1 Story
Building Area	5,000 sqft Gross Area
1st Floor Area	4,640 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2000
Exterior Material	Metal
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Gambrel
Roof Material	Metal
Lot Area	85,638 sqft (1.96 acres)
Lot Dimensions	600 ft deep x 134 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1151 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-6103
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC11
Legal Description	33 3S 14W -39.2- MAP 104C4 BEG 40 N & 339.8 W OF SE COR OF SE1/4 OF SE1/4 FOR POB TH W 139.7 N 600 E 130.1 S 600 TO POB ORB 3946 P 337
Legal Range	14W
Legal Township	03S
Legal Section	33
Legal Subdivision	BRENNER PARK ADDITION
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1600

Owner

1151 E 15th St, a commercial property, is owned by a company that bought it in October 2017.

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

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2019	Loan Modification, Mortgage US SMALL BUSINESS ADMINISTRATI
Jan 16, 2019	Deed of Trust, Mortgage US SMALL BUSN ADMN
Oct 16, 2017	Warranty Deed, Transfer SHERMAN PINES MOBLIE HM PK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2017 · Amount on File
Deed Sale	Oct 16, 2017 · Amount on File
Prior Sale	Feb 3, 2010 · Amount on File
Deed Document Number	201759509
Deed Book / Page	3946 / 337
Record Updated	Jun 8, 2026

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	15TH ST E, PANAMA CITY, FL 32405
Document Number	0041020216
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 35235 PANAMA CITY FL 324125235, PANAMA CITY, FL 32412-5235

Mortgage

Document Number	0041020216
Date	Mar 18, 2019
Book Page	004102/000216
Instrument	28648

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 17, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	15TH ST E, PANAMA CITY, FL 32405
Document Number	0040880127
Instrument Date	Jan 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 35235 PANAMA CITY FL 324125235, PANAMA CITY, FL 32412-5235

Mortgage

Document Number	0040880127
Date	Feb 7, 2019
Book Page	004088/000127
Instrument	14861

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 16, 2017
Property Address	15TH ST E, PANAMA CITY, FL 32405
Document Number	0039460337
Book / Page	003946 / 000337
Instrument Date	Oct 13, 2017
Instrument	59509
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 35223 PANAMA CITY FL 32412, PANAMA CITY, FL 32412

Mortgage

Document Number	39460339
Date	Oct 16, 2017
Book Page	003946/000339
Instrument	59510

Lender

Name	SHERMAN PINES MOBLIE HM PK
Address	CALLAWAY, FL 32404

Agreement

Amount	Amount on Record
Term	120 Months
Due	Oct 15, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 1151 E 15th St was $5,741, down 11.3% from the year before.

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

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	$5,741.00 (-11.29%)	$363,506 Land $127,790 Building $235,716	$363,506 Land $127,790 Building $235,716
2024	$6,472.00 (-1.66%)
2023	$6,581.00 (+3.12%)	$374,443 (-2.35%) Land $127,790 Building $246,653	$374,443 (-2.35%) Land $127,790 Building $246,653
2022	$6,382.00	$383,447 Land $127,790 Building $255,657	$383,447 Land $127,790 Building $255,657

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

Flood

FEMA maps place 1151 E 15th St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1984.

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
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	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 1151 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.

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 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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