3425 E 15th St, Panama City, FL 32405 Property Records

Bay County property record for 3425 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Retail Store
Details	7,900 sqft · built 2021
Lot Size	2.09 acres (91,040 sqft)
Owner	Company Name on File
Last Sale	$7,800 (Sep 2026)
Tax Bill	$14,977 (2025)
Deeds & Mortgages	Sep 2026 Sale Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14820-020-000`

Property Details

APN / Parcel Number

Primary APN	`14820-020-000`

Interior

Total Rooms	3 Rooms
Building Area	7,900 sqft Gross Area
1st Floor Area	7,900 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Prefab Metal
Construction Type	Steel Frame
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	91,040 sqft (2.09 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3425 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-7416
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Legal Description	35 3S 14W -213.2- 117C- ST AND BAY DEV CO PLAT COM AT SE COR OF SEC W 45.52 N 67.04 TO INTERSECT OF W R/W TRANSMITTER RD & N R/W 15TH ST TH W 325 FOR POB TH CONT W 259.97 N 350 E 259.05 S 350 TO POB BEING PART OF LOTS 113 & 128 ORB 4448 P 1321
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	113
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2014
Census Tract	1200

Owner

3425 E 15th St, a commercial property, is owned by a company that bought it in September 2026.

Source: Bay County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	3425 E 15TH ST, PANAMA CITY, FL 32405-7416
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
Sep 10, 2026	Certificate of Transfer, Transfer
Aug 18, 2021	Special Warranty Deed, Transfer · Commercial Mortgage CAPSTAR BANK
Feb 9, 2021	Warranty Deed, Transfer NOT AVAILABLE, PROVIDENCE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2026 · Amount on File
Deed Sale	Sep 10, 2026 · Amount on File
Prior Sale	Aug 18, 2021 · Amount on File
Deed Document Number	202656545
Deed Book / Page	5077 / 1885
Record Updated	Oct 29, 2026

September 2026: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	BAY FL
Recording Date	Sep 10, 2026
Property Address	3425 E 15TH ST, PANAMA CITY, FL 32405-7416
Document Number	0000056545
Book / Page	5077 / 1885
Instrument Date	Sep 9, 2026
Instrument	202656545
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Tax	$5,514.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 18, 2021
Property Address	3425 E 15TH ST, PANAMA CITY, FL 32405-7416
Document Number	0044481321
Book / Page	4448 / 1321
Map Reference	MB 6 PG 22
Instrument Date	Aug 6, 2021
Instrument	2021063223
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	NOT AVAILABLE, PROVIDENCE TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,414.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3324 W UNIVERSITY AVE # AVE151, AVE151, GAINESVILLE, FL 32607-2540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2100 PINE AVE, MANHATTAN BEACH, CA 90266-2831

Mortgage

Document Number	0044481325
Date	Aug 18, 2021
Instrument	4448/1325

Lender

Name	CAPSTAR BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 6, 2031

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 9, 2021
Property Address	3425 E 15TH ST, PANAMA CITY, FL 32405-7416
Document Number	0043611039
Book / Page	4361 / 1039
Map Reference	MB 6 PG 22
Instrument Date	Feb 1, 2021
Instrument	2021009254
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	NOT AVAILABLE, PROVIDENCE TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3324 W UNIVERSITY AVE # 151, 151, GAINESVILLE, FL 32607-2540

Tax Assessment & Valuation

The 2025 property tax bill for 3425 E 15th St was $14,977, down 0.3% 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	$14,977.00 (-0.35%)	$910,491 Land $454,575 Building $455,916	$910,491 Land $454,575 Building $455,916
2024	$15,029.00 (-0.46%)
2023	$15,099.00 (+19.62%)	$915,177 (+11.03%) Land $454,575 Building $460,602	$915,177 (+11.03%) Land $454,575 Building $460,602
2022	$12,622.00	$824,262 Land $363,660 Building $460,602	$824,262 Land $363,660 Building $460,602

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

Flood

FEMA maps place 3425 E 15th St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2018.

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	9 (2018–2020)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 8 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 3425 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 Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect 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 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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