1224 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 1224 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Vacant Land
Details	1 bd · 1 ba
Lot Size	0.128 acres (5,576 sqft)
Owner	Individual Name on File
Last Sale	$19,000 (Oct 2021)
Tax Bill	$442 (2025)
Deeds & Mortgages	Oct 2021 Sale Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`16751-000-000`

Property Details

APN / Parcel Number

Primary APN	`16751-000-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story

Exterior

Lot Area	5,576 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide

Location & Zoning

Street Address	1224 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-6128
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	PC09
Legal Description	LOUIS TRACT LOT 7 BLK 2 ORB 4476 P 1606
Legal Range	14W
Legal Township	04S
Legal Section	04
Legal Subdivision	LOUIS TRACT
Legal Block	2
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3001
Census Tract	2200

Owner

1224 E 15th St, commercial vacant land, is owned by an individual who bought it in October 2021.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	2510 PARKWOOD DR, PANAMA CITY, FL 32405-4443
Owner Type	Individual

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
Oct 22, 2021	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Nov 13, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2021 · Amount on File
Deed Sale	Oct 22, 2021 · Amount on File
Prior Sale	Nov 13, 2017 · Amount on File
Deed Document Number	2021081015
Deed Book / Page	4476 / 1606
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 22, 2021
Property Address	1224 E 15TH ST, PANAMA CITY, FL 32405-6128
Document Number	0044761606
Book / Page	4476 / 1606
Map Reference	MB 2 PG 41
Instrument Date	Oct 19, 2021
Instrument	2021081015
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Tax	$133.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1823 W 29TH ST, PANAMA CITY, FL 32405-2841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2510 PARKWOOD DR, PANAMA CITY, FL 32405-4443

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 13, 2017
Property Address	1224 W 15TH ST, PANAMA CITY, FL 32401-2047
Document Number	0039540329
Book / Page	003954 / 000329
Instrument Date	Nov 9, 2017
Instrument	65470
Transaction Type	Transfer
Record Updated	Dec 4, 2017

Transaction

Amount	Amount on Record
Tax	$38.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 W 29TH ST PANAMA CITY FL 324052841, PANAMA CITY, FL 32405-2841

Tax Assessment & Valuation

The 2025 property tax bill for 1224 E 15th St was $442.

Source: Bay County assessment roll, as of July 1, 2025

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	$442.00	$28,000 Land $28,000	$28,000 Land $28,000
2023	$609.00 (+12.36%)	$28,000 (+25%) Land $28,000	$28,000 (+25%) Land $28,000
2022	$542.00	$22,400 Land $22,400	$22,400 Land $22,400

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

Flood

FEMA maps place 1224 E 15th St in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1985.

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 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	26 (1985–2020)
Claims Outside the SFHA	18 of 26
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 11 claims Hurricane Earl, Sep 1998 · 3 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 1224 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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