3228 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 3228 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Office
Details	1,792 sqft · built 1996
Lot Size	0.998 acres (43,472 sqft)
Owner	Company Name on File
Last Sale	$199,000 (Feb 2014)
Tax Bill	$2,635 (2025)
Deeds & Mortgages	Oct 2024 Transfer Oct 2024 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`15180-001-011`

Property Details

APN / Parcel Number

Primary APN	`15180-001-011`

Interior

Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,792 sqft Gross Area
1st Floor Area	1,792 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	43,472 sqft (0.998 acres)
Lot Dimensions	204 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	560 sqft
Carport	Carport
Carport Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3228 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-7423
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	2 4S 14W -1.5B- BEG AT INT. S R/W SR 30-A 1821.84 W OF NE COR SEC. TH E 485.32 N 15 TH E 9.71 FOR POB TH CONT E FOR 100.15 S 431.53 W 101.74 TH N 431.54 TO POB ORB 3582 P 1091
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

Owner

3228 E 15th St, a commercial property, is owned by a company that acquired it in October 2024.

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

Owner of Record	Company Name on File
Mailing Address	3228 E 15TH ST, PANAMA CITY, FL 32405-7423
Owner Type	Company
Vesting	Limited Liability Partnership

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, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 15, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 15, 2020	Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK
Nov 8, 2018	Loan Modification, Mortgage SUMMIT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2014 · Amount on File
Deed Sale	Feb 4, 2014 · Amount on File
Deed Document Number	20145598
Deed Book / Page	3582 / 1091
Last Transfer Date	Oct 10, 2024
Transfer Doc	0048491923
Record Updated	Sep 20, 2026

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Oct 15, 2024
Property Address	3228 E 15TH ST, PANAMA CITY, FL 32405-7423
Document Number	0048491925
Book / Page	4849 / 1925
Instrument Date	Oct 10, 2024
Instrument	2024060346
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12804 MERIAL WATERS PASS, SOUTHPORT, FL 32409-4528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 E 15TH ST, PANAMA CITY, FL 32405-7423

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Oct 15, 2024
Property Address	3228 E 15TH ST, PANAMA CITY, FL 32405-7423
Document Number	0048491923
Book / Page	4849 / 1923
Instrument Date	Oct 10, 2024
Instrument	2024060345
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3228 E 15TH ST, PANAMA CITY, FL 32405-7423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12804 MERIAL WATERS PASS, SOUTHPORT, FL 32409-4528

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3228 W 15TH ST, PANAMA CITY, FL 32401
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 E 15TH ST, PANAMA CITY, FL 32405-7423

Mortgage

Document Number	0043110078
Date	Oct 15, 2020
Book Page	4311/78
Instrument	2020068609

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	PANAMA CITY BEACH, FL 32407

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	3228 W 15TH ST, PANAMA CITY, FL 32401
Document Number	0040601329
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3228 E 15TH ST PANAMA CITY FL 324057423, PANAMA CITY, FL 32405-7423

Mortgage

Document Number	0040601329
Date	Nov 15, 2018
Book Page	004060/001329
Instrument	65380

Lender

Name	SUMMIT BK
Type	Bank
Address	PANAMA CITY, FL 32406

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3228 E 15th St was $2,635, down 10.3% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,635.00 (-10.28%)	$166,200 Land $71,768 Building $94,432	$166,200 Land $71,768 Building $94,432
2024	$2,937.00 (-3.45%)
2023	$3,042.00 (+11.55%)	$175,180 (+5.93%) Land $71,767 Building $103,413	$175,180 (+5.93%) Land $71,767 Building $103,413
2022	$2,727.00	$165,368 Land $57,466 Building $107,902	$165,368 Land $57,466 Building $107,902

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

Flood

FEMA maps place 3228 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	Hurricane Michael, Oct 2018 · 8 claims Severe Storms And Flooding, Jul 2013 · 2 claims Hurricane Dennis, Jul 2005 · 2 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 3228 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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