Bay County property record for 1226 E 15th St, Panama City, FL 32405
| Property Type | Barber/Hair Salon |
|---|---|
| Details | 1,375 sqft · built 1975 |
| Lot Size | 0.257 acres (11,195 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Nov 2005) |
| Tax Bill | $1,053 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 16756-000-000 |
| Primary APN | 16756-000-000 |
|---|
| Total Rooms | 4 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,375 sqft Total Area |
| 1st Floor Area | 1,189 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Flat |
| Roof Material | Rolled Roofing |
| Lot Area | 11,195 sqft (0.257 acres) |
| Lot Dimensions | 140 ft deep x 80 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1226 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6128 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Barber/Hair Salon |
| Local Zoning Code | PC09 |
| Legal Description | LOUIS TRACT LOTS 14, 15 ORB 1062 P 251 BLK 2 ORB 3778 P 2130 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | LOUIS TRACT |
| Legal Block | 2 |
| Legal Lot Number | 14,15 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 2200 |
1226 E 15th St, a commercial property, is owned by two individuals who acquired it in March 2016.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 201 JUDY CIR, LYNN HAVEN, FL 32444-3456 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2005 · Amount on File |
| Deed Sale | Nov 3, 2005 · Amount on File |
| Prior Sale | Jun 9, 2000 |
| Deed Document Number | 0026962186 |
| Last Transfer Date | Mar 16, 2016 |
| Transfer Doc | 0037782130 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1226 E 15th St was $1,053, down 11.4% from the year before.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,053.00 (-11.44%) | $66,713 (-) Land $56,000 Building $10,713 | $66,713 (-) Land $56,000 Building $10,713 |
| 2024 | $1,189.00 (-2.54%) | $66,713 (-) Land $56,000 Building $10,713 | $66,713 (-) Land $56,000 Building $10,713 |
| 2023 | $1,220.00 (+16.97%) | $66,713 (+20.18%) Land $56,000 Building $10,713 | $66,713 (+20.18%) Land $56,000 Building $10,713 |
| 2022 | $1,043.00 | $55,513 Land $44,800 Building $10,713 | $55,513 Land $44,800 Building $10,713 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1226 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 |
|
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 1226 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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