1515 Grace Ave, Panama City, FL 32405 Property Records

Bay County property record for 1515 Grace Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,381 sqft · built 1958
Lot Size	0.642 acres (27,965 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Apr 2023)
Tax Bill	$4,420 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`14349-000-000`

Property Details

APN / Parcel Number

Primary APN	`14349-000-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,381 sqft Living Area
Gross Area	2,689 sqft
1st Floor Area	2,281 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	27,965 sqft (0.642 acres)
Lot Dimensions	140 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	308 sqft
Driveway	Driveway
Driveway Area	300 sqft
Porch	Florida Room
Porch Area	155 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1515 GRACE AVE
City	PANAMA CITY
State	FL
Zip	32405-4616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC04
Legal Description	MAYFIELD SUBD. LOTS 47,48,49,50 BLK B ORB 4675 P 1121
Legal Range	14W
Legal Township	03S
Legal Section	32
Legal Subdivision	MAYFIELD SUBD
Legal Block	B
Legal Lot Number	47
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2012
Census Tract	2000

Owner

Source: Bay County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 1629, LYNN HAVEN, FL 32444-6429
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage RACCOON LOVE LLC
Oct 15, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2023 · Amount on Record
Deed Sale	Apr 5, 2023 · Amount on Record
Prior Sale	Oct 15, 2020 · Amount on Record
Deed Document Number	202320818
Deed Book / Page	4675 / 1121
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 5, 2023
Property Address	1515 GRACE AVE, PANAMA CITY, FL 32405-4616
Document Number	0046751121
Book / Page	4675 / 1121
Map Reference	MB 2 PG 5
Instrument Date	Apr 5, 2023
Instrument	2023020818
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3768 HOGGETT FORD RD, HERMITAGE, TN 37076-3513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1629, LYNN HAVEN, FL 32444-6429

Mortgage

Document Number	0046751124
Date	Apr 5, 2023
Instrument	4675/1124

Lender

Name	RACCOON LOVE LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 15, 2020
Property Address	1515 GRACE AVE, PANAMA CITY, FL 32405-4616
Document Number	0043110088
Book / Page	004311 / 000088
Instrument Date	Oct 15, 2020
Instrument	68610
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$805.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	344 N PALO ALTO AVE PANAMA CITY FL 324013787, PANAMA CITY, FL 32401-3787

Tax Assessment & Valuation

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	$4,420.00 (+2.17%)	$279,907 (+9.61%) Land $94,080 Building $185,827	$279,907 (+9.61%) Land $94,080 Building $185,827
2024	$4,326.00 (+44.15%)	$255,374 (+9.49%) Land $79,380 Building $175,994	$255,374 (+9.49%) Land $79,380 Building $175,994
2023	$3,001.00 (+20.91%)	$233,246 (+12.52%) Land $60,956 Building $172,290	$233,246 (+12.52%) Land $60,956 Building $172,290
2022	$2,482.00	$207,293 Land $49,980 Building $157,313	$207,293 Land $49,980 Building $157,313

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	55 (1983–2020)
Claims Outside the SFHA	19 of 55
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Hurricane Michael, Oct 2018 · 12 claims Hurricane Opal, Oct 1995 · 14 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 253 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	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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