Bay County property record for 2309 E 15th St, Panama City, FL 32405
| Property Type | Medical Building |
|---|---|
| Details | 5,544 sqft · built 1976 |
| Lot Size | 1.05 acres (46,174 sqft) |
| Owner | Owner Name on File |
| Last Sale | $525,000 (Dec 2011) |
| Tax Bill | $200 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14787-010-000 |
| Primary APN | 14787-010-000 |
|---|
| Total Rooms | 6 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 5,544 sqft Total Area |
| 1st Floor Area | 6,720 sqft |
| Interior Walls | Plywood |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Construction Type | Concrete |
| Fire Resistance | Fireproof Reinforced Concrete |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Built-Up Asphalt |
| Lot Area | 46,174 sqft (1.05 acres) |
| Lot Dimensions | 290 ft deep x 160 ft wide |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2309 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6345 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Medical Building |
| Legal Description | 34 3S 14W -165- ST AND BAY DEV CO PLAT BEG 40' N & 514' W OF SE COR |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 34 |
| Legal Subdivision | ST AND BAY DEV CO |
| Legal Lot Number | 125 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 1200 |
The current owner of 2309 E 15th St bought it in December 2011.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 403 E 11TH ST, PANAMA CITY, FL 32401-3409 |
| Occupancy | Owner Occupied |
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 | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2011 · Amount on File |
| Deed Sale | Dec 16, 2011 · Amount on File |
| Deed Document Number | 0003373640 |
| Deed Book / Page | 3373 / 640 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $679,803 Land $230,550 Building $449,253 | $679,803 Land $230,550 Building $449,253 | |
| 2024 | $200.00 | ||
| 2023 | $200.00 Additional exemption filed | $690,965 (+5.8%) Land $230,550 Building $460,415 | $690,965 (+5.8%) Land $230,550 Building $460,415 |
| 2022 | $200.00 Additional exemption filed | $653,064 Land $184,440 Building $468,624 | $653,064 Land $184,440 Building $468,624 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2309 E 15th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 |
|
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.
The area around 2309 E 15th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 45 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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