2815 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 2815 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Vehicle Sales & Rentals
Details	768 sqft · built 2003
Lot Size	0.688 acres (29,969 sqft)
Owner	Company Name on File
Last Sale	$525,000 (Sep 2025)
Tax Bill	$2,778 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14861-010-000`

Property Details

APN / Parcel Number

Primary APN	`14861-010-000`

Interior

Total Rooms	1 Room
Stories	1 Story
Building Area	768 sqft Gross Area
1st Floor Area	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	29,969 sqft (0.688 acres)
Lot Dimensions	163 ft deep x 184 ft wide
Garage Type	Detached
Garage Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2815 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-6355
Property Category	Commercial
Property Type	Commercial > Retail > Vehicle Sales & Rentals
Local Zoning Code	R3
Legal Description	35 3S 14W -46.1- 117C3 BEG 773 E & 52.39 N OF SW COR TH N 160.61 E 184 S 134.91 W 10.20 S 10 SWLY 21.25 W 158.80 TO POB ORB 3760 P 2042
Legal Range	14W
Legal Township	03S
Legal Section	35
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2011
Census Tract	1200

Owner

2815 E 15th St, a commercial property, is owned by a company that bought it in September 2025.

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

Owner of Record	Company Name on File
Mailing Address	826 BREAKFAST POINT BLVD, PANAMA CITY BEACH, FL 32407-2655
Owner Type	Company
Vesting	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
Sep 3, 2025	Warranty Deed, Transfer · Commercial Mortgage PC TRUCKS LLC
Feb 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage HNB FIRST BANK
Apr 8, 2020	Deed of Trust, Mortgage · Line of Credit HNB FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2025 · Amount on File
Deed Sale	Sep 3, 2025 · Amount on File
Prior Sale	Dec 31, 2015 · Amount on File
Deed Document Number	202550546
Deed Book / Page	4949 / 61
Prior Transfer Date	Apr 30, 2015
Prior Transfer Doc	0036950198
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 3, 2025
Property Address	2815 E 15TH ST, PANAMA CITY, FL 32405-6355
Document Number	0049490061
Book / Page	4949 / 61
Instrument Date	Sep 2, 2025
Instrument	2025050546
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	213 KENTUCKY AVE, LYNN HAVEN, FL 32444-1248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 BREAKFAST POINT BLVD, PANAMA CITY BEACH, FL 32407-2655

Mortgage

Document Number	0000494963
Date	Sep 3, 2025
Instrument	4949/63

Lender

Name	PC TRUCKS LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2815 E 15TH ST, PANAMA CITY, FL 32405-6355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039810696
Date	Feb 20, 2018
Book Page	3981/0696
Instrument	2018009744

Lender

Name	HNB FIRST BANK
Address	HEADLAND, AL 36345

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2815 E 15TH ST, PANAMA CITY, FL 32405-6355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042402108
Date	Apr 8, 2020
Book Page	4240/2108
Instrument	2020024867

Lender

Name	HNB FIRST BANK
Type	Bank
Address	HEADLAND, AL 36345

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2815 E 15th St was $2,778, up 2.3% 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	$2,778.00 (+2.28%)	$208,375 (-0.26%) Land $149,960 Building $58,415	$208,375 (-0.26%) Land $149,960 Building $58,415
2024	$2,716.00 (+3.39%)	$208,927 (-0.26%) Land $149,960 Building $58,967	$208,927 (-0.26%) Land $149,960 Building $58,967
2023	$2,627.00 (+24.62%)	$209,476 (+21.06%) Land $149,960 Building $59,516	$209,476 (+21.06%) Land $149,960 Building $59,516
2022	$2,108.00	$173,042 Land $119,968 Building $53,074	$173,042 Land $119,968 Building $53,074

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 2815 E 15th St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2018.

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	9 (2018–2020)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 8 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 2815 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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