3232 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 3232 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Medical Building
Details	3,991 sqft · built 1986
Lot Size	0.505 acres (21,998 sqft)
Owner	Company Name on File
Last Sale	$190,000 (Dec 2019)
Tax Bill	$4,394 (2025)
Deeds & Mortgages	Dec 2023 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15180-001-000`

Property Details

APN / Parcel Number

Primary APN	`15180-001-000`

Interior

Total Rooms	14 Rooms
Stories	1 Story
Building Area	3,991 sqft Total Area
1st Floor Area	3,020 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	200 ft deep x 97 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3232 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-7423
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Legal Description	2 4S 14W -1.5- 118B1 COM AT PT ON SLY R/W LINE OF SR 30-A WHICH IS 1821.84' W OF
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	2400

Owner

3232 E 15th St, a commercial property, is owned by a company that bought it in December 2019.

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

Owner of Record	Company Name on File
Mailing Address	2460 OLD MOULTRIE RD STE 1, 1, SAINT AUGUSTINE, FL 32086-4198
Owner Type	Company

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
Dec 12, 2023	Deed of Trust, Mortgage BARWICK BANKING CO
May 15, 2020	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE OZARKS
Dec 3, 2019	Warranty Deed, Transfer · Conventional Mortgage ROMAJEN LLC
Mar 13, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2019 · Amount on File
Deed Sale	Dec 3, 2019 · Amount on File
Deed Document Number	2019102787
Deed Book / Page	4196 / 2135
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3232 E 15TH ST, PANAMA CITY, FL 32405-7423
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 ARRICOLA AVE, ST AUGUSTINE, FL 32080-4515

Mortgage

Document Number	0047561498
Date	Dec 12, 2023
Book Page	4756/1498
Instrument	2023076847

Lender

Name	BARWICK BANKING CO
Type	Bank
Address	BARWICK, GA 31720

Agreement

Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3232 W 15TH ST, PANAMA CITY, FL 32401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042520807
Date	May 15, 2020
Book Page	4252/807
Instrument	2020032111

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	SAINT PETERSBURG, FL 33703

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 3, 2019
Property Address	3232 W 15TH ST, PANAMA CITY, FL 32401
Document Number	0041962135
Book / Page	004196 / 002135
Instrument Date	Nov 12, 2019
Instrument	102787
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 ARRICOLA AVE ST AUGUSTINE FL 320804515, ST AUGUSTINE, FL 32080-4515

Mortgage

Document Number	41962136
Date	Dec 3, 2019
Book Page	004196/002136
Instrument	102788

Lender

Name	ROMAJEN LLC
Address	726 W PIERSON DR, LYNN HAVEN, FL 32444-3166

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Mar 13, 2019
Property Address	3232 W 15TH ST, PANAMA CITY, FL 32401
Document Number	0041001280
Book / Page	004100 / 001280
Instrument Date	Oct 10, 2003
Instrument	27206
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	726 W PIERSON DR LYNN HAVEN FL 324443166, LYNN HAVEN, FL 32444-3166

Tax Assessment & Valuation

The 2025 property tax bill for 3232 E 15th St was $4,394.

Source: Bay County assessment roll, as of July 1, 2025

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	$4,394.00	$277,123 Land $110,329 Building $166,794	$277,123 Land $110,329 Building $166,794
2023	$4,998.00 (+11.89%)	$293,108 (+6.06%) Land $110,329 Building $182,779	$293,108 (+6.06%) Land $110,329 Building $182,779
2022	$4,467.00	$276,372 Land $88,263 Building $188,109	$276,372 Land $88,263 Building $188,109

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

Flood

FEMA maps place 3232 E 15th St in Zone X, an area of minimal flood risk, though there have been 33 flood claims nearby since 1995.

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 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	33 (1995–2021)
Claims Outside the SFHA	32 of 33
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 11 claims Hurricane Michael, Oct 2018 · 6 claims Severe Storms And Flooding, Jul 2013 · 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 3232 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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