2732 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 2732 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Vacant Land
Details	536 sqft · built 1989
Lot Size	0.417 acres (18,165 sqft)
Owner	Company Name on File
Last Sale	$1,100,000 (Jan 2025)
Tax Bill	$1,324 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15321-010-002`

Property Details

APN / Parcel Number

Primary APN	`15321-010-002`

Interior

Total Rooms	2 Rooms
Stories	1 Story
Building Area	536 sqft
1st Floor Area	536 sqft

Exterior

Year Built	Built 1989
Exterior Material	Protective Coating
Construction Type	Wood Frame
Lot Area	18,165 sqft (0.417 acres)
Lot Dimensions	182 ft deep x 100 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air

Location & Zoning

Street Address	2732 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-6354
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	2 4S 14W -130.1B- 118B2 BEG 500' N & 152.5' E OF SW COR OF E1/2 OF NW1/4 OF NW1/4
Legal Range	14W
Legal Township	04S
Legal Section	02
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1033
Census Tract	1200

Owner

2732 E 15th St, commercial vacant land, is owned by a company that bought it in January 2025.

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

Owner of Record	Company Name on File
Mailing Address	30765 PCH 137, MALIBU, CA 90265
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

Date	Document
May 30, 2018	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NAT'L BK
May 24, 2017	Deed of Trust, Mortgage GRIMSLEY W C JR FAMILY TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2025 · Amount on File
Deed Sale	Jan 30, 2025 · Amount on File
Prior Sale	Aug 7, 2015 · Amount on File
Deed Document Number	0004881200
Deed Book / Page	4012 / 1505
Prior Transfer Date	May 30, 2018
Prior Transfer Doc	2018031581
Record Updated	Jun 8, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 30, 2018
Property Address	2732 E 15TH ST, PANAMA CITY, FL 32405-6354
Document Number	0040121505
Book / Page	004012 / 001505
Instrument Date	May 29, 2018
Instrument	31581
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2732 E 15TH ST PANAMA CITY FL 324056354, PANAMA CITY, FL 32405-6354

Mortgage

Document Number	40121507
Date	May 30, 2018
Book Page	004012/001507
Instrument	31582

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY BEACH, FL 32401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	May 29, 2021

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2732 E 15TH ST, PANAMA CITY, FL 32405-6354
Document Number	0039031865
Book / Page	003903 / 001865
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 30, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	528 S BONITA AVE PANAMA CITY BEACH FL 324013979, PANAMA CITY BEACH, FL 32401-3979

Mortgage

Document Number	0039031865
Date	May 25, 2017
Book Page	003903/001865
Instrument	29752

Lender

Name	GRIMSLEY W C JR FAMILY TR
Address	7911 THOMAS DR # 2, PANAMA CITY BEACH, FL 32408-7572

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2732 E 15th St was $1,324.

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	$1,324.00	$107,021 Land $91,000 Building $16,021	$107,021 Land $91,000 Building $16,021
2023	$1,274.00 (+24.29%)	$107,021 (+20.49%) Land $91,000 Building $16,021	$107,021 (+20.49%) Land $91,000 Building $16,021
2022	$1,025.00	$88,821 Land $72,800 Building $16,021	$88,821 Land $72,800 Building $16,021

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 2732 E 15th St in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

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
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 2732 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 93% of the US · lower than 94% 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 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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