2815 E 16th St, Panama City, FL 32405 Property Records

Bay County property record for 2815 E 16th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,655 sqft · built 2024
Lot Size	0.276 acres (12,066 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Oct 2024)
Tax Bill	$3,520 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Jan 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14864-002-010`

Property Details

APN / Parcel Number

Primary APN	`14864-002-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,655 sqft Heated Area
Gross Area	2,213 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	12,066 sqft (0.276 acres)
Lot Dimensions	198 ft deep x 61 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2815 E 16TH ST
City	PANAMA CITY
State	FL
Zip	32405-6330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35 3S 14W -49.21- 117C3- BEG 336.04' E 886' N & 420.34' E OF SW COR OF SEC TH CONT E
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2011
Census Tract	1200

Owner

2815 E 16th St is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2815 E 16TH ST, PANAMA CITY, FL 32405-6330
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TYNDALL FCU
Jan 30, 2024	Warranty Deed, Transfer UNKNOWN, BURG TITLE LLC
Dec 17, 2021	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2024 · Amount on File
Deed Sale	Oct 28, 2024 · Amount on File
Prior Sale	Jan 30, 2024 · Amount on File
Deed Document Number	2024063064
Deed Book / Page	4853 / 1954
Record Updated	Jun 8, 2026

October 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 28, 2024
Property Address	2815 E 16TH ST, PANAMA CITY, FL 32405-6330
Document Number	0048531954
Book / Page	4853 / 1954
Instrument Date	Oct 25, 2024
Instrument	2024063064
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 26, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1750 FRANKFORD AVEB, PANAMA CITY, FL 32405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 E 16TH ST, PANAMA CITY, FL 32405-6330

Mortgage

Document Number	2024063065
Date	Oct 28, 2024
Instrument	2024063065

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 30, 2024
Property Address	2815 E 16TH ST, PANAMA CITY, FL 32405-6330
Document Number	0047690382
Book / Page	4769 / 382
Instrument Date	Jan 26, 2024
Instrument	2024005174
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	UNKNOWN, BURG TITLE LLC

Transaction

Amount	Amount on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 WOOD TRL, PANAMA CITY, FL 32405-4490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1750 FRANKFORD AVE BLDG B, B, PANAMA CITY, FL 32405-2657
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 17, 2021
Property Address	2815 E 16TH ST, PANAMA CITY, FL 32405-6330
Document Number	0045000698
Book / Page	4500 / 698
Instrument Date	Dec 14, 2021
Instrument	2021095450
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Tax	$980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1507 KENTUCKY AVE, LYNN HAVEN, FL 32444-3640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 WOOD TRL, PANAMA CITY, FL 32405-4490
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2815 E 16th St was $3,520.

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	$3,520.00	$284,488 Land $26,151 Building $258,337	$284,488 Land $26,151 Building $258,337
2023	$248.00 (+25.89%)	$21,185 (+24.03%) Land $21,185	$21,185 (+24.03%) Land $21,185
2022	$197.00	$17,080 Land $17,080	$17,080 Land $17,080

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 16th 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 16th St is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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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