2323 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 2323 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Wholesale Outlet, Discount Store (Franchise)
Details	9,170 sqft · built 2010
Lot Size	1.33 acres (57,978 sqft)
Owner	Company Name on File
Last Sale	$1,607,137 (Jan 2014)
Tax Bill	$7,296 (2025)
Deeds & Mortgages	Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`14790-000-000`

Property Details

APN / Parcel Number

Primary APN	`14790-000-000`

Interior

Total Rooms	5 Rooms
Stories	1 Story
Building Area	9,170 sqft Total Area
1st Floor Area	7,659 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Metal
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Steel Frame/Truss
Roof Material	Metal
Lot Area	57,978 sqft (1.33 acres)
Lot Dimensions	290 ft deep x 200 ft wide
Deck Area	88 sqft
Patio Area	936 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2323 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-6345
Property Category	Commercial
Property Type	Commercial > Retail > Wholesale Outlet, Discount Store (Franchise)
Legal Description	34 3S 14W -167- ST AND BAY DEV CO PLAT BEG 132' W OF NE COR LOT 125
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

Owner

2323 E 15th St, a commercial property, is owned by a company that bought it in January 2014.

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

Owner of Record	Company Name on File
Mailing Address	11995 EL CAMINO REAL, SAN DIEGO, CA 92130-2539
Owner Type	Company

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 Names	Name on Deed
Last Sale	Jan 24, 2014 · Amount on File
Deed Sale	Jan 24, 2014 · Amount on File
Prior Sale	Apr 20, 2011
Deed Document Number	2014004115
Deed Book / Page	3580 / 1247
Record Updated	Jun 8, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 15, 2017
Property Address	2323 E 15TH ST, PANAMA CITY, FL 32405-6345
Document Number	0039550658
Book / Page	003955 / 000658
Instrument Date	Nov 15, 2017
Instrument	66346
Transaction Type	Transfer
Record Updated	Dec 5, 2017

Transaction

Amount	Amount on Record
Tax	$1,309.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4337 DE LEN DR CALLAWAY FL 324044281, CALLAWAY, FL 32404-4281

Tax Assessment & Valuation

The 2025 property tax bill for 2323 E 15th St was $7,296.

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	$7,296.00	$589,635 Land $289,492 Building $300,143	$589,635 Land $289,492 Building $300,143
2023	$7,811.00 (+21.88%)	$607,812 (+13.01%) Land $289,492 Building $318,320	$607,812 (+13.01%) Land $289,492 Building $318,320
2022	$6,409.00	$537,817 Land $231,594 Building $306,223	$537,817 Land $231,594 Building $306,223

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

Flood

FEMA maps place 2323 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	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

Wildfire risk around 2323 E 15th St 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 Risk	Low lower than 99.8% of the US · lower than 99.7% 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	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