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3422 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 3422 E 15th St, Panama City, FL 32405

Property Summary

Property TypeCommercial Office
Details3 bd · 1.5 ba · 7,600 sqft · built 2017
Lot Size0.92 acres (40,075 sqft)
OwnerCompany Name on File
Last Sale$53,000 (Feb 2017)
Tax Bill$15,384 (2025)
Deeds & MortgagesAug 2020 Loan Modification
Feb 2017 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN15185-000-000

Property Details

APN / Parcel Number

Primary APN15185-000-000

Interior

Bedrooms3 Beds
Total Rooms13 Rooms
Units2 Units
Stories1 Story
Building Area7,600 sqft Gross Area
1st Floor Area5,700 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialMetal
Construction TypeSteel Frame
Fire ResistanceFireproof Steel Frame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area40,075 sqft (0.92 acres)
Lot Dimensions280 ft deep x 105 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3422 E HIGHWAY 98
CityPANAMA CITY
StateFL
Zip32401
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Legal Description2 4S 14W -6- 118B1 COM AT NE COR OF SEC TH RUN W 251.50 TH RUN S 33.09 TO THE S R/W OF 15TH ST FOR POB TH RUN W 104.50 S 70 W 40 S 225.32 E 144.50 N 296.80 TO POB ORB 3871 P 192
Legal Range14W
Legal Township04S
Legal Section02
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1009
Census Tract1100

Owner

3422 E 15th St, a commercial property, is owned by a company that bought it in February 2017.

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

Owner of RecordCompany Name on File
Mailing Address3420 E 15TH ST, PANAMA CITY, FL 32405-7425
Owner TypeCompany
VestingCompany

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

DateDocument
Aug 10, 2020Loan Modification, Mortgage
ATTORNEY ONLY
Feb 2, 2017Quit Claim Deed, Transfer
Quitclaim
Feb 2, 2017Grant Deed
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 2, 2017 · Amount on File
Deed SaleFeb 2, 2017 · Amount on File
Prior SaleJan 1, 2017 · Amount on File
Deed Document Number20176097
Deed Book / Page3871 / 192
Prior Transfer DateFeb 1, 2017
Prior Transfer Doc0038710192
Record UpdatedOct 29, 2026

August 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address3422 E HIGHWAY 98, PANAMA CITY, FL 32401-5676
Document Number0042950089
Instrument DateAug 10, 2020
Transaction TypeMortgage
Record UpdatedSep 21, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3240 E 15TH ST PANAMA CITY FL 32405, PANAMA CITY, FL 32405

February 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateFeb 2, 2017
Property Address3422 E HIGHWAY 98, PANAMA CITY, FL 32401-5676
Document Number0038710192
Book / Page3871 / 0192
Instrument DateFeb 1, 2017
Instrument2017006097
Transaction TypeTransfer
Record UpdatedDec 23, 2021

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address807 N TYNDALL PKWY, PANAMA CITY, FL 32404-9495

February 2017: Grant Deed

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateFeb 2, 2017
Property Address3422 E HIGHWAY 98, PANAMA CITY, FL 32401-5676
Document Number0038710190
Book / Page003871 / 000190
Instrument DateJan 27, 2017
Instrument6096
Record UpdatedMay 8, 2017
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address120 QUEENS CIR PANAMA CITY FL 324051910, PANAMA CITY, FL 32405-1910

Tax Assessment & Valuation

The 2025 property tax bill for 3422 E 15th St was $15,384, down 5.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$15,384.00 (-5.63%)$970,086 Land $200,100 Building $769,986$970,086 Land $200,100 Building $769,986
2024$16,302.00 (-1.84%)
2023$16,608.00 (+10.48%)$986,142 (+3.35%) Land $200,100 Building $786,042$986,142 (+3.35%) Land $200,100 Building $786,042
2022$15,033.00$954,155 Land $160,080 Building $794,075$954,155 Land $160,080 Building $794,075

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

Flood

FEMA maps place 3422 E 15th St in Zone X, an area of minimal 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 39 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims18 (1998–2021)
Claims Outside the SFHA10 of 18
Most Recent ClaimOct 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 3422 E 15th St is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within 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 SystemCITY OF SPRINGFIELD
serves 8,075 people · EPA ID FL1030148
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionOct 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jul 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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