Bay County property record for 1185 E 15th St, Panama City, FL 32405
| Property Type | Auto Repair, Garage |
|---|---|
| Details | 15,190 sqft · built 1985 |
| Lot Size | 4.28 acres (186,523 sqft) |
| Owner | Company Name on File |
| Tax Bill | $15,306 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14448-000-000 |
| Primary APN | 14448-000-000 |
|---|
| Total Rooms | 8 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 15,190 sqft Gross Area |
| 1st Floor Area | 14,420 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Fire Resistance | Fireproof Steel Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 186,523 sqft (4.28 acres) |
| Lot Dimensions | 600 ft deep x 340 ft wide |
| Cooling System | Central |
|---|
| Street Address | 1185 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6103 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Auto Repair, Garage |
| Local Zoning Code | PC11 |
| Legal Description | 33 3S 14W -42- MAP 104C4 BEG 40 N OF SE COR OF SE1/4 OF SE1/4 FOR POB TH W 339.8 N 600 E 339.1 S 600 TO POB ORB 1761 P 1862 |
| 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 |
1185 E 15th St, a commercial property, is owned by a company.
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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1185 E 15th St was $15,306, down 10.3% 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 | $15,306.00 (-10.3%) | $969,132 Land $278,330 Building $690,802 | $969,132 Land $278,330 Building $690,802 |
| 2024 | $17,064.00 (+0.44%) | ||
| 2023 | $16,990.00 (+11.11%) | $981,892 (-) Land $278,330 Building $703,562 | $981,892 (-) Land $278,330 Building $703,562 |
| 2022 | $15,291.00 | $981,892 Land $278,330 Building $703,562 | $981,892 Land $278,330 Building $703,562 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1185 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 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 1185 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures