Bay County property record for 2815 E 12th St, Panama City, FL 32401
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 784 sqft · built 2023 |
| Lot Size | 0.538 acres (23,435 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $649 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15250-000-000 |
| Primary APN | 15250-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 784 sqft Living Area |
| 1st Floor Area | 784 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 23,435 sqft (0.538 acres) |
| Lot Dimensions | 165 ft deep x 88 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2815 E 12TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5013 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R2 |
| Legal Description | 2 4S 14W -65.2- 118B2 TH E 88 OF TH FOLLOWING DESC: BEG AT NW COR OF S1/2 OF NE1/4 OF SW1/4 OF NW1/4 OF SEC TH S 208, E 208, N 43, E 30, N 165, W 238 TO POB LESS ROW ORB 812 P 152 ORB 3739 P 1952 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 1200 |
2815 E 12th St, a mobile home, is owned and occupied by an individual who acquired it in September 2015.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2815 E 12TH ST, PANAMA CITY, FL 32401-5013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 Transfer Date | Sep 20, 2015 |
| Transfer Doc | 0037391952 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2815 E 12th St was $649 with a homeowner's exemption, down 1.8% 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 | $649.00 (-1.82%) Homeowner's exemption | $92,141 | $111,253 Land $36,651 Building $74,602 |
| 2024 | $661.00 (+1,552.5%) | ||
| 2023 | $40.00 Homeowner's exemption | $23,069 (+3%) | $28,578 (+27.59%) Land $25,119 Building $3,459 |
| 2022 | $40.00 Homeowner's exemption | $22,398 Land $19,262 Building $3,136 | $22,398 Land $19,262 Building $3,136 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2815 E 12th St in Zone X, an area of minimal flood risk, within 100 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 A, within 100 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 2815 E 12th St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 193 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 |
May also be available: AT&T.
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