Bay County property record for 1615 E 8th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 560 sqft · built 1959 |
| Lot Size | 0.041 acres (1,785 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (May 2022) |
| Tax Bill | $901 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15955-000-000 |
| Primary APN | 15955-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 560 sqft Living Area |
| 1st Floor Area | 560 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 1,785 sqft (0.041 acres) |
| Lot Dimensions | 60 ft deep x 30 ft wide |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1615 E 8TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | 3 4S 14W-144-105A3 BEG 70 W OF NE COR OF SE1/4 OF NE1/4 OF SW1/4 OF SW1/4 TH W 30 S 60 E 30 N 60 TO POB ORB 4568 P 864 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 1700 |
1615 E 8th St is owned and occupied by an individual who bought it in May 2022.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1615 E 8TH ST, PANAMA CITY, FL 32401-4215 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| May 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2022 · Amount on File |
| Deed Sale | May 25, 2022 · Amount on File |
| Prior Sale | Aug 23, 2019 · Amount on File |
| Deed Document Number | 202239594 |
| Deed Book / Page | 4568 / 864 |
| Prior Transfer Date | Nov 26, 2008 |
| Prior Transfer Doc | 0031250417 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 25, 2022 |
| Property Address | 1615 E 8TH ST, PANAMA CITY, FL 32401-4215 |
| Document Number | 0045680864 |
| Book / Page | 4568 / 864 |
| Instrument Date | May 24, 2022 |
| Instrument | 2022039594 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $805.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21036 HIGHWAY 23170, 21036, FOUNTAIN, FL 32438 |
| Name | Verified Name |
|---|---|
| Address | 1615 E 8TH ST, PANAMA CITY, FL 32401-4215 |
| Investor | Possibly a Property Investor |
| Document Number | 0004568866 |
|---|---|
| Date | May 25, 2022 |
| Instrument | 4568/866 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 23, 2019 |
| Property Address | 1615 E 8TH ST, PANAMA CITY, FL 32401-4215 |
| Document Number | 0041592220 |
| Book / Page | 4159 / 2220 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 2019075824 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1129 CROSS CREEK CIR, 1129, TALLAHASSEE, FL 32301-8068 |
| Name | Verified Name |
|---|---|
| Address | 1615 E 8TH ST, PANAMA CITY, FL 32401-4215 |
| Document Number | 0041592222 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 4159/2222 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 1615 E 8th St was $901 with a homeowner's exemption, down 11.7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $901.00 (-11.67%) Homeowner's exemption | $99,117 Land $5,655 Building $93,462 | $99,117 Land $5,655 Building $93,462 |
| 2024 | $1,020.00 (-44.14%) | ||
| 2023 | $1,826.00 (+194.04%) | $97,532 (+104.43%) Land $4,387 Building $93,145 | $97,532 (+98.84%) Land $4,387 Building $93,145 |
| 2022 | $621.00 Homeowner's exemption | $47,709 | $49,050 Land $3,724 Building $45,326 |
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 1615 E 8th St in Zone X, an area of minimal flood risk, though there have been 4 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 4 (1983–2018) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
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 1615 E 8th St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 322 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 |
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