Bay County property record for 2400 E 15th St, Panama City, FL 32405
| Property Type | Auto Repair, Garage |
|---|---|
| Details | 8,800 sqft · built 2019 |
| Lot Size | 4.34 acres (189,224 sqft) |
| Owner | Company Name on File |
| Last Sale | $3,662,200 (Apr 2022) |
| Tax Bill | $23,848 (2025) |
| Deeds & Mortgages | Apr 2022 Sale Jan 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15845-005-000 |
| Primary APN | 15845-005-000 |
|---|
| Total Rooms | 6 Rooms |
|---|---|
| Building Area | 8,800 sqft Gross Area |
| 1st Floor Area | 6,400 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Fire Resistance | Fireproof Steel Frame |
| Roof Type | Steel Frame/Truss |
| Roof Material | Metal |
| Lot Area | 189,224 sqft (4.34 acres) |
| Street Address | 2400 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6348 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Auto Repair, Garage |
| Legal Description | 3 4S 14W -37.2- BEG 40 S & 33 E OF NW COR OF NE1/4 TH CONT E 312.50 FOR POB TH CONT E 598.60 TH RUN S22 DEG E 38.16 TH S 273.93 W 613.23 N 308.93 TO POB ORB 4549 P 346 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 1200 |
2400 E 15th St, a commercial property, is owned by a company that bought it in April 2022.
Source: Bay County records, as of April 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 32301 WOODWARD AVE, ROYAL OAK, MI 48073-0946 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
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 |
|---|---|
| Apr 11, 2022 | Special Warranty Deed, Transfer FIRST NATIONAL FINANCIAL TITLE SERVICES I, FIRST NATL FINCL TTL SVCS IN |
| Jan 3, 2020 | Special Warranty Deed, Transfer · Commercial Mortgage TRUIST BANK |
| Mar 13, 2019 | Deed of Trust, Mortgage OAKWORTH CAP BK |
| Dec 19, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2022 · Amount on File |
| Deed Sale | Apr 11, 2022 · Amount on File |
| Prior Sale | Jan 3, 2020 · Amount on File |
| Deed Document Number | 202226793 |
| Deed Book / Page | 4549 / 346 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 11, 2022 |
| Property Address | 2400 E 15TH ST, PANAMA CITY, FL 32405-6348 |
| Document Number | 0045490346 |
| Book / Page | 4549 / 346 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022026793 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | FIRST NATIONAL FINANCIAL TITLE SERVICES I, FIRST NATL FINCL TTL SVCS IN |
| Amount | Amount on Record |
|---|---|
| Tax | $25,635.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13992 PENN SHOP RD, MOUNT AIRY, MD 21771-4616 |
| Name | Verified Name |
|---|---|
| Address | 70 E LONG LAKE RD, BLOOMFIELD HILLS, MI 48304-2356 |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 3, 2020 |
| Property Address | 2400 W 15TH ST, PANAMA CITY, FL 32401-1573 |
| Document Number | 0042071896 |
| Book / Page | 4207 / 1896 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 2020000569 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,379.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 225 SPRINGHILL MEMORIAL PL, 225, MOBILE, AL 36608-1131 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 659, MOUNT AIRY, MD 21771-0659 |
| Document Number | 0042071905 |
|---|---|
| Date | Jan 3, 2020 |
| Instrument | 4207/1905 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2400 W 15TH ST, PANAMA CITY, FL 32401-1573 |
| Document Number | 0041010812 |
| Instrument Date | Mar 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 225 SPRINGHILL MEMORIAL PL MOBILE AL 366081131, MOBILE, AL 36608-1131 |
| Document Number | 0041010812 |
|---|---|
| Date | Mar 15, 2019 |
| Book Page | 004101/000812 |
| Instrument | 27957 |
| Name | OAKWORTH CAP BK |
|---|---|
| Type | Bank |
| Address | MOBILE, AL 36602 |
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 19, 2018 |
| Property Address | 2400 W 15TH ST, PANAMA CITY, FL 32401-1573 |
| Document Number | 0040710622 |
| Book / Page | 004071 / 000622 |
| Instrument Date | Dec 7, 2018 |
| Instrument | 77364 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $5,040.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 225 SPRINGHILL MEMORIAL PL MOBILE AL 366081131, MOBILE, AL 36608-1131 |
The 2025 property tax bill for 2400 E 15th St was $23,848, down 1.2% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $23,848.00 (-1.23%) | $1,927,286 Land $755,856 Building $1,171,430 | $1,927,286 Land $755,856 Building $1,171,430 |
| 2024 | $24,145.00 (-1.98%) | ||
| 2023 | $24,632.00 (+25.3%) | $1,951,101 (+7.68%) Land $755,856 Building $1,195,245 | $1,951,101 (+7.68%) Land $755,856 Building $1,195,245 |
| 2022 | $19,658.00 | $1,811,961 Land $604,684 Building $1,207,277 | $1,811,961 Land $604,684 Building $1,207,277 |
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 2400 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.
Wildfire risk around 2400 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.
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 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 |
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