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3315 Token Rd, Panama City, FL 32405 Property Records

Bay County property record for 3315 Token Rd, Panama City, FL 32405

Property Summary

Property TypeWarehouse, Storage
Details4 bd · 2 ba · 3,750 sqft · built 1970
Lot Size1.68 acres (73,573 sqft)
OwnerOwner Name on File
Last Sale$375,000 (Jun 2013)
Tax Bill$15,621 (2025)
Deeds & MortgagesApr 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN11765-000-000

Property Details

APN / Parcel Number

Primary APN11765-000-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area3,750 sqft Total Area
1st Floor Area8,164 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 1970
Exterior MaterialMetal
Construction TypeSteel Frame
Fire ResistanceFireproof Steel Frame
Roof TypeRigid Frame Bar Joist
Roof MaterialMetal
Lot Area73,573 sqft (1.68 acres)
Lot Dimensions186 ft deep x 111 ft wide
Garage Area671 sqft
PorchPorch
Porch Area90 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Street Address3315 TOKEN RD
CityPANAMA CITY
StateFL
Zip32405-3355
Property CategoryIndustrial
Property TypeIndustrial > Warehouse, Storage
Local Zoning CodeBC05
Legal Description20 3S 14W ST A B DEV CO PLAT BEG INT E RW SR 390 & N LI LOT 90 TH N 111.3' E 356' S 220' W
Legal Range14W
Legal Township03S
Legal Section20
Legal SubdivisionST ANDREWA DEV CO
Legal Lot Number90
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1090
Census Tract1501

Owner

The current owner of 3315 Token Rd bought it in June 2013.

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

Owner of RecordOwner Name on File
Mailing Address3308 W HIGHWAY 390, PANAMA CITY, FL 32405-2719

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 NamesName on Deed
Last SaleJun 12, 2013 · Amount on File
Deed SaleJun 12, 2013 · Amount on File
Prior SaleAug 29, 2002 · Amount on File
Deed Document Number0003519754
Deed Book / Page3519 / 754
Record UpdatedJun 8, 2026

April 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address3315 TOKEN RD, PANAMA CITY, FL 32405-3355
Document Number0041111864
Instrument DateApr 12, 2019
Transaction TypeMortgage
Record UpdatedApr 24, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address217 E 23RD ST PANAMA CITY FL 324057613, PANAMA CITY, FL 32405-7613

Mortgage

Document Number0041111864
DateApr 12, 2019
Book Page004111/001864
Instrument37328
Lender
NameSUMMIT BK
TypeBank
AddressPANAMA CITY, FL 32406
Agreement
Term180 Months
DueApr 11, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 3315 Token Rd was $15,621.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$15,621.00$1,104,946 Land $588,583 Building $516,363$1,104,946 Land $588,583 Building $516,363
2023$13,319.00 (+5.24%)$768,541 (-0.68%) Land $236,460 Building $532,081$768,541 (-0.68%) Land $236,460 Building $532,081
2022$12,656.00$773,787 Land $236,460 Building $537,327$773,787 Land $236,460 Building $537,327

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

Flood

FEMA maps place 3315 Token Rd in Zone X, an area of minimal flood risk, within 100 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 300 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies300 in force
Nearby Flood Claims154 (1984–2022)
Claims Outside the SFHA16 of 154
Most Recent ClaimMay 2022 · other causes
Claims by Event
  • Hurricane Michael, Oct 2018 · 49 claims
  • Hurricane Dennis, Jul 2005 · 13 claims
  • Hurricane Opal, Oct 1995 · 63 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 3315 Token Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: T-Mobile.

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