Bay County property record for 3224 E 15th St, Panama City, FL 32405
| Property Type | Commercial Vacant Land |
|---|---|
| Details | 1,415 sqft · built 1950 |
| Lot Size | 12 acres (522,981 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,682 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 15180-000-000 |
| Primary APN | 15180-000-000 |
|---|
| Total Rooms | 6 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,415 sqft Gross Area |
| 1st Floor Area | 1,415 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Other |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 522,981 sqft (12 acres) |
| Lot Dimensions | 175 ft deep x 604 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 101 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3224 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-7423 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Legal Description | 2 4S 14W -1.1- BEG AT INT. S R/W SR 30-A 1821.84 W OF NE COR SEC. TH S 185 E 327.13 SLY 1496.62 N 407.60 E 346.97 N 1079.45 W 212 N 205 W 109.86 S 15 W 485 TO POB ORB 3353 P 417 LESS -1.5B- |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 02 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 1100 |
3224 E 15th St, commercial vacant land, is owned by two individuals who acquired it in September 2011.
Source: Bay County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9750 OLD PATINA WAY, ORLANDO, FL 32832-5822 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2011 |
| Deed Sale | Sep 26, 2011 |
| Prior Sale | Mar 1, 2011 · Amount on File |
| Deed Document Number | 201148033 |
| Deed Book / Page | 3353 / 417 |
| Prior Transfer Date | Nov 2, 2007 |
| Prior Transfer Doc | 0029911739 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3224 E 15th St was $2,682, down 3.6% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,682.00 (-3.56%) | $169,154 Land $169,154 | $169,154 Land $169,154 |
| 2024 | $2,781.00 (+4.71%) | ||
| 2023 | $2,656.00 (+17.63%) | $169,152 (+20.54%) Land $169,152 | $169,152 (+20.54%) Land $169,152 |
| 2022 | $2,258.00 | $140,324 Land $136,397 Building $3,927 | $140,324 Land $136,397 Building $3,927 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3224 E 15th St in Zone X, an area of moderate flood risk, though there have been 18 flood claims nearby since 1998.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 18 (1998–2021) |
| Claims Outside the SFHA | 10 of 18 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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 3224 E 15th St is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon, WOW Internet, Cable & Phone.
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