2915 E 17th St, Panama City, FL 32405 Property Records

Bay County property record for 2915 E 17th St, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 1985
Lot Size	0.323 acres (14,070 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Oct 2021)
Tax Bill	$3,187 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14895-010-000`

Property Details

APN / Parcel Number

Primary APN	`14895-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,462 sqft Heated Area
Gross Area	1,792 sqft
1st Floor Area	1,462 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,070 sqft (0.323 acres)
Lot Dimensions	144 ft deep x 98 ft wide
Garage Area	286 sqft

Exterior Amenities

Pool Area	312 sqft
Porch	Porch
Porch Area	252 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2915 E 17TH ST
City	PANAMA CITY
State	FL
Zip	32405-7404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR GROVE HEIGHTS (6.01) W1/2 LOTS 5 & 6 BLK C DESC AS FOLLOWS: BEG SW COR
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR GROVE HEIGHTS
Legal Block	C
Legal Lot Number	5,6 6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2915 E 17th St is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2915 E 17TH ST, PANAMA CITY, FL 32405-7404
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 15, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2021	Warranty Deed, Transfer · Commercial Mortgage DKC LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Jul 26, 2021 · Amount on File
Deed Document Number	2021079164
Deed Book / Page	4473 / 1785
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 15, 2021
Property Address	2915 E 17TH ST, PANAMA CITY, FL 32405-7404
Document Number	0044731785
Book / Page	4473 / 1785
Map Reference	MB 8 PG 9
Instrument Date	Oct 14, 2021
Instrument	2021079164
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11047 GOLDEN SILENCE DR, 11047, RIVERVIEW, FL 33579-2341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2915 E 17TH ST, PANAMA CITY, FL 32405-7404

Mortgage

Document Number	44731787
Date	Oct 15, 2021
Instrument	4473/1787

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 26, 2021
Property Address	2915 E 17TH ST, PANAMA CITY, FL 32405-7404
Document Number	0044382293
Book / Page	4438 / 2293
Map Reference	MB 8 PG 9
Instrument Date	Jul 23, 2021
Instrument	2021057154
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 MARSH ISLAND CIR, 148, SAINT AUGUSTINE, FL 32095-9643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11047 GOLDEN SILENCE DR, RIVERVIEW, FL 33579-2341

Mortgage

Document Number	44382298
Date	Jul 26, 2021
Instrument	4438/2298

Lender

Name	DKC LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2915 E 17th St was $3,187.

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	$3,187.00	$257,589 Land $38,323 Building $219,266	$257,589 Land $38,323 Building $219,266
2023	$2,964.00 (+18.99%)	$233,658 (+10.07%) Land $31,046 Building $202,612	$233,658 (+10.07%) Land $31,046 Building $202,612
2022	$2,491.00	$212,280 Land $25,031 Building $187,249	$212,280 Land $25,031 Building $187,249

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2915 E 17th 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 2915 E 17th 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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