Bay County property record for 2905 E 15th Ct, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1953 |
| Lot Size | 0.303 acres (13,242 sqft) |
| Owner | Owner Name on File |
| Last Sale | $22,000 (Oct 2011) |
| Tax Bill | $302 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14882-000-000 |
| Primary APN | 14882-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,344 sqft Heated Area |
| Gross Area | 1,565 sqft |
| 1st Floor Area | 1,084 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,242 sqft (0.303 acres) |
| Lot Dimensions | 162 ft deep x 82 ft wide |
| Driveway | Driveway |
| Driveway Area | 300 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2905 E 15TH CT |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-7401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR GROVE HEIGHTS LOT 9 BLK A ORB 3355 P 1079 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | CEDAR GROVE HEIGHTS |
| Legal Block | A |
| Legal Lot Number | 9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 1200 |
The current owner of 2905 E 15th Ct bought it in October 2011.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2905 E 15TH CT, PANAMA CITY, FL 32405-7401 |
| Occupancy | Owner Occupied |
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 Sale | Oct 4, 2011 · Amount on File |
| Deed Sale | Oct 4, 2011 · Amount on File |
| Prior Sale | Jul 26, 2011 |
| Deed Document Number | 2011049775 |
| Deed Book / Page | 3355 / 1079 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2905 E 15th Ct was $302 with exemptions applied.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $302.00 Homeowner's exemption Additional exemption filed | $81,663 | $103,262 Land $33,565 Building $69,697 |
| 2023 | $286.00 (+27.11%) Homeowner's exemption Additional exemption filed | $77,050 (+16.86%) | $90,553 (+25.21%) Land $27,192 Building $63,361 |
| 2022 | $225.00 Homeowner's exemption Additional exemption filed | $65,932 | $72,319 Land $21,923 Building $50,396 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2905 E 15th Ct 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 |
|
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 2905 E 15th Ct is moderate, ranking above 66% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 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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