1522 Spring Ave, Panama City, FL 32405 Property Records

Bay County property record for 1522 Spring Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,186 sqft · built 1940
Lot Size	3.22 acres (140,263 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Dec 2018)
Tax Bill	$2,859 (2025)
Deeds & Mortgages	Dec 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`14606-000-000`

Property Details

APN / Parcel Number

Primary APN	`14606-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	16 Rooms
Stories	1 Story
Building Area	2,186 sqft Heated Area
Gross Area	2,922 sqft
1st Floor Area	7,382 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	140,263 sqft (3.22 acres)
Lot Dimensions	100 ft deep x 142 ft wide
Garage Area	1,656 sqft

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1522 SPRING AVE
City	PANAMA CITY
State	FL
Zip	32405-6326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	34 3S 14W -4- 104D4 BEG 15' E & 40' N OF SW COR OF SE1/4 OF SE1/4 TH N 620' E
Legal Range	14W
Legal Township	03S
Legal Section	34
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1017
Census Tract	1200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2515 E 15TH ST, PANAMA CITY, FL 32405-6349
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	2018069961
Deed Book / Page	4064 / 2287
Record Updated	Jun 8, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 3, 2018
Property Address	2509 E 15TH ST, PANAMA CITY, FL 32405-6349
Document Number	0040642287
Book / Page	004064 / 002287
Instrument Date	Nov 30, 2018
Instrument	69961
Transaction Type	Transfer
Record Updated	Jan 7, 2019

Transaction

Amount	Amount Recorded
Tax	$4,200.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2515 E 15TH ST PANAMA CITY FL 324056349, PANAMA CITY, FL 32405-6349

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,859.00 (-39.17%)	$231,091 (-36.6%) Land $128,800 Building $102,291	$231,091 (-36.6%) Land $128,800 Building $102,291
2024	$4,700.00 (-1.59%)	$364,470 (-0.26%) Land $207,400 Building $157,070	$364,470 (-0.26%) Land $207,400 Building $157,070
2023	$4,776.00 (+14.45%)	$365,431 (+6.19%) Land $207,400 Building $158,031	$365,431 (+6.19%) Land $207,400 Building $158,031
2022	$4,173.00	$344,133 Land $193,200 Building $150,933	$344,133 Land $193,200 Building $150,933

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	32.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	25 (1982–2018)
Claims Outside the SFHA	20 of 25
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 5 claims Severe Storms And Flooding, Jul 2013 · 5 claims Hurricane Dennis, Jul 2005 · 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 251 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20