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1515 Oak Ave, Panama City, FL 32405 Property Records

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

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 825 sqft · built 1947
Lot Size0.16 acres (6,970 sqft)
OwnerIndividual Name on File
Last Sale$95,000 (Apr 2021)
Tax Bill$816 (2025)
Deeds & MortgagesApr 2021 Sale
Flood ZoneZone X (minimal risk)
APN14381-000-000

Property Details

APN / Parcel Number

Primary APN14381-000-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area825 sqft Heated Area
Gross Area1,029 sqft
1st Floor Area825 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 2017
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions140 ft deep x 50 ft wide
Garage TypeDetached
Garage Area377 sqft
PorchPorch
Porch Area20 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1515 OAK AVE
CityPANAMA CITY
StateFL
Zip32405-4624
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePC04
Legal DescriptionMAYFIELD SUBD LOT 10 BLK D ORB 4387 P 1754
Legal Range14W
Legal Township03S
Legal Section32
Legal SubdivisionMAYFIELD
Legal BlockD
Legal Lot Number10
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2003
Census Tract2000

Owner

1515 Oak Ave is owned and occupied by an individual who bought it in April 2021.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address1515 OAK AVE, PANAMA CITY, FL 32405-4624
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 7, 2021 · Amount on File
Deed SaleApr 7, 2021 · Amount on File
Prior SaleApr 1, 2016 · Amount on File
Deed Document Number2021025573
Deed Book / Page4387 / 1754
Record UpdatedJun 8, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 7, 2021
Property Address1515 OAK AVE, PANAMA CITY, FL 32405-4624
Document Number0043871754
Book / Page4387 / 1754
Map ReferenceMB 2 PG 5
Instrument DateApr 6, 2021
Instrument2021025573
Transaction TypeTransfer
Record UpdatedFeb 7, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount on Record
Tax$665.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1515 OAK AVE, PANAMA CITY, FL 32405-4624

Tax Assessment & Valuation

The 2025 property tax bill for 1515 Oak Ave was $816 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$816.00 Homeowner's exemption$93,738$106,630 Land $23,520 Building $83,110
2023$976.00 (+18.16%) Homeowner's exemption$88,443 (+10.43%)$95,360 (+19.07%) Land $15,239 Building $80,121
2022$826.00 Homeowner's exemption$80,090 Land $12,495 Building $67,595$80,090 Land $12,495 Building $67,595

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

Flood

FEMA maps place 1515 Oak Ave in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 69 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies69 in force
Nearby Flood Claims55 (1983–2020)
Claims Outside the SFHA19 of 55
Most Recent ClaimSep 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

Wildfire risk around 1515 Oak Ave 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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