2435 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 2435 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Vehicle Sales & Rentals
Details	25,840 sqft · built 1969
Lot Size	3.2 acres (139,522 sqft)
Owner	Company Name on File
Last Sale	$250,000 (May 2020)
Tax Bill	$16,040 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Sale + 5 more
Flood Zone	Zone AE (high risk)
APN	`14792-000-000`

Property Details

APN / Parcel Number

Primary APN	`14792-000-000`

Interior

Total Rooms	24 Rooms
Units	2 Units
Stories	1 Story
Building Area	25,840 sqft Gross Area
1st Floor Area	24,610 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1979
Exterior Material	Metal
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	139,522 sqft (3.2 acres)
Lot Dimensions	290 ft deep x 431 ft wide
Garage Type	Attached
Garage Area	1,230 sqft
Canopy	1,250 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2435 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-6347
Property Category	Commercial
Property Type	Commercial > Retail > Vehicle Sales & Rentals
Local Zoning Code	C3A
Legal Description	34 3S 14W -169- 104D4 ST AND BAY DEV CO PLAT LOT 126 LESS W 164 & LESS S 40 FOR R/W & LESS E 5 TO R/W ORB 4089 P 2272
Legal Range	14W
Legal Township	03S
Legal Section	34
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	126
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1023
Census Tract	1200

Owner

2435 E 15th St, a commercial property, is owned by a company that bought it in May 2020.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage TROY BANK & TRUST CO
May 8, 2020	Warranty Deed, Transfer SOUTH OAK TITLE LLC
Feb 13, 2019	Quit Claim Deed, Transfer · Construction Mortgage FIVE STAR CU
Jun 13, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 13, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2020 · Amount on File
Deed Sale	May 8, 2020 · Amount on File
Deed Document Number	202030434
Deed Book / Page	4249 / 2299
Prior Transfer Date	Feb 5, 2019
Prior Transfer Doc	0040892272
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347
Transaction Type	Mortgage
Record Updated	Jul 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347

Mortgage

Document Number	0044312077
Date	Jul 9, 2021
Book Page	4431/2077
Instrument	2021052566

Lender

Name	TROY BANK & TRUST CO
Type	Bank
Address	DOTHAN, AL 36305

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	228 Months
Due	Jul 10, 2040

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 8, 2020
Property Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347
Document Number	0042492299
Book / Page	004249 / 002299
Instrument Date	May 7, 2020
Instrument	30434
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	SOUTH OAK TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2435 E 15TH ST PANAMA CITY FL 324056347, PANAMA CITY, FL 32405-6347

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Feb 13, 2019
Property Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347
Document Number	0040892272
Book / Page	004089 / 002272
Instrument Date	Feb 5, 2019
Instrument	16932
Transaction Type	Transfer
Record Updated	Feb 26, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2435 E 15TH ST PANAMA CITY FL 324056347, PANAMA CITY, FL 32405-6347

Mortgage

Document Number	40892276
Date	Feb 13, 2019
Book Page	004089/002276
Instrument	16934

Lender

Name	FIVE STAR CU
Type	Credit Union
Address	DOTHAN, AL 36303

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 12, 2020

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 13, 2018
Property Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347
Document Number	0040172028
Book / Page	004017 / 002028
Instrument Date	Dec 23, 2016
Instrument	35214
Transaction Type	Transfer
Record Updated	Jul 6, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2435 E 15TH ST PANAMA CITY FL 324056347, PANAMA CITY, FL 32405-6347

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 13, 2018
Property Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347
Document Number	0040172032
Book / Page	004017 / 002032
Instrument Date	Dec 23, 2016
Instrument	35216
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2435 E 15TH ST PANAMA CITY FL 324056347, PANAMA CITY, FL 32405-6347

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jun 13, 2018
Property Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347
Document Number	0040172030
Book / Page	004017 / 002030
Instrument Date	Dec 23, 2016
Instrument	35215
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2435 E 15TH ST PANAMA CITY FL 324056347, PANAMA CITY, FL 32405-6347

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Jun 13, 2018
Property Address	2435 E 15TH ST, PANAMA CITY, FL 32405-6347
Document Number	0040172035
Book / Page	004017 / 002035
Instrument Date	Dec 23, 2016
Instrument	35217
Transaction Type	Transfer
Record Updated	Jul 6, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2435 E 15TH ST PANAMA CITY FL 324056347, PANAMA CITY, FL 32405-6347

Tax Assessment & Valuation

The 2025 property tax bill for 2435 E 15th St was $16,040, down 1.5% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$16,040.00 (-1.49%)	$1,296,298 Land $592,154 Building $704,144	$1,296,298 Land $592,154 Building $704,144
2024	$16,282.00 (+1.97%)
2023	$15,968.00 (+22.7%)	$1,308,392 (+17.89%) Land $592,154 Building $716,238	$1,308,392 (+17.89%) Land $592,154 Building $716,238
2022	$13,014.00	$1,109,866 Land $473,723 Building $636,143	$1,109,866 Land $473,723 Building $636,143

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2435 E 15th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 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 2435 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

2435 E 15th St, Panama City, FL 32405 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2018: Grant Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E 15th St

Nearby Streets

Search Property Records by Address or Parcel Number