2918 E 15th Ct, Panama City, FL 32405 Property Records

Bay County property record for 2918 E 15th Ct, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,268 sqft · built 1958
Lot Size	0.342 acres (14,897 sqft)
Owner	Individual Name on File
Last Sale	$298,000 (Mar 2016)
Tax Bill	$979 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14824-025-000`

Property Details

APN / Parcel Number

Primary APN	`14824-025-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,268 sqft Living Area
1st Floor Area	2,268 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,897 sqft (0.342 acres)
Lot Dimensions	114 ft deep x 131 ft wide
Garage Type	Detached
Garage Area	504 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2918 E 15TH CT
City	PANAMA CITY
State	FL
Zip	32405-7402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35 3S 14W -17.25- 117C3- ST A B DEV CO PLAT COM SW COR OF SEC TH E 1390.83 , N 50.4, E 175.57, TH NLY 139.45 FOR TH POB TH CONT NLY 112.62, E 133.84, TH SLY 115.60, W 79.69, N 2.53, TH W 47.74 TO POB ORB 3771 P 1002
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	ST A B DEV CO PLAT
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2010
Census Tract	1200

Owner

2918 E 15th Ct is owned and occupied by an individual who bought it in March 2016.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	2918 E 15TH CT, PANAMA CITY, FL 32405-7402
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2016 · Amount on File
Deed Sale	Mar 1, 2016 · Amount on File
Prior Sale	Feb 16, 2016 · Amount on File
Deed Document Number	201610315
Deed Book / Page	3775 / 364
Prior Transfer Date	Feb 12, 2016
Prior Transfer Doc	0037711002
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2918 E 15TH CT, PANAMA CITY, FL 32405-7402
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2918 E 15TH CT, PANAMA CITY, FL 32405-7402

Mortgage

Document Number	0046301135
Date	Nov 14, 2022
Book Page	4630/1135
Instrument	2022082256

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2918 E 15th Ct was $979 with a homeowner's exemption, up 2.7% 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	$979.00 (+2.73%) Homeowner's exemption	$118,772	$154,018 Land $47,088 Building $106,930
2024	$953.00 (+2.8%)
2023	$927.00 (+11.42%) Homeowner's exemption	$109,901 (+3%)	$133,899 (+13.01%) Land $38,147 Building $95,752
2022	$832.00 Homeowner's exemption	$106,700	$118,482 Land $30,756 Building $87,726

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 2918 E 15th Ct in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 2918 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.

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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