Bay County property record for 3518 E 15th St, Panama City, FL 32404
| Property Type | County Owned (Exempt) |
|---|---|
| Details | 4,790 sqft · built 1995 |
| Lot Size | 0.929 acres (40,467 sqft) |
| Owner | Company Name on File |
| Last Sale | $560,000 (Dec 2010) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15088-000-000 |
| Primary APN | 15088-000-000 |
|---|
| Total Rooms | 18 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 4,790 sqft Gross Area |
| 1st Floor Area | 4,790 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 40,467 sqft (0.929 acres) |
| Lot Dimensions | 295 ft deep x 120 ft wide |
| Driveway | Driveway |
| Driveway Area | 4,224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3518 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-5831 |
| Property Category | Public Works |
| Property Type | Public Works > County Owned (Exempt) |
| Legal Description | SPRINGFIELD FARMS (118A2) COM AT NW COR OF SEC E 270 S 20 TO NW COR OF LOT 1 BLK 3 TH CONT S 9.26 TO S R/W OF HWY 98 FOR POB TH E 119.99 S 250 E 120 TO E LINE OF BLK 3 S 43.61 TO SE COR OF LOT 5 TH W 240 TO SW COR OF LOT 5 N 290.89 TO POB ORB 3291 P |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 01 |
| Legal Subdivision | SPRINGFIELD FARMS |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1100 |
3518 E 15th St, a public works property, is owned by a company that bought it in December 2010.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 840 W 11TH ST, PANAMA CITY, FL 32401-2336 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2010 · Amount on File |
| Deed Sale | Dec 22, 2010 · Amount on File |
| Prior Sale | Oct 11, 2005 · Amount on File |
| Deed Document Number | 201066752 |
| Deed Book / Page | 3291 / 2185 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Additional exemption filed | $466,959 Land $202,550 Building $264,409 | $466,959 Land $202,550 Building $264,409 |
| 2023 | Additional exemption filed | $494,398 (+5.11%) Land $202,550 Building $291,848 | $494,398 (+5.11%) Land $202,550 Building $291,848 |
| 2022 | Additional exemption filed | $470,347 Land $162,040 Building $308,307 | $470,347 Land $162,040 Building $308,307 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3518 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 Zone | Zone X minimal risk |
|---|---|
| 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 |
|
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 risk around 3518 E 15th St is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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