3911 E 15th St, Panama City, FL 32404 Property Records

Bay County property record for 3911 E 15th St, Panama City, FL 32404

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	20,640 sqft · built 2006
Lot Size	2.98 acres (130,201 sqft)
Owner	Company Name on File
Last Sale	$275,000 (Jan 2005)
Tax Bill	$23,791 (2025)
Deeds & Mortgages	Apr 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`14909-004-000`

Property Details

APN / Parcel Number

Primary APN	`14909-004-000`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	20,640 sqft Total Area
1st Floor Area	18,000 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 2006
Exterior Material	Metal
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Steel Frame/Truss
Roof Material	Metal
Lot Area	130,201 sqft (2.98 acres)
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3911 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32404-5845
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	36 3S 14W ST A B DEV CO PLAT THE EAST 84' OF LOT 124 AND THE WEST 432' OF LOT 125 LESS
Legal Range	14W
Legal Township	03S
Legal Section	36
Legal Subdivision	ST ANDREWS BAY DEV COM
Legal Lot Number	124,125
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3077
Census Tract	500

Owner

3911 E 15th St, a commercial property, is owned by a company that bought it in January 2005.

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

Owner of Record	Company Name on File
Mailing Address	17760 PANAMA CITY BEACH PKWY, PANAMA CITY BEACH, FL 32413-6042
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2005 · Amount on File
Deed Sale	Jan 27, 2005 · Amount on File
Deed Document Number	0002557415
Record Updated	Jun 8, 2026

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	3911 E 15TH ST, PANAMA CITY, FL 32404-5845
Document Number	0042390972
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17760 PANAMA CRTY BEACH PKWY PANAMA CITY FL 32413, PANAMA CITY, FL 32413

Mortgage

Document Number	0042390972
Date	Apr 3, 2020
Book Page	004239/000972
Instrument	23944

Lender

Name	BANCORPSOUTH
Type	Bank
Address	PANAMA CITY BEACH, FL 32401

Agreement

Term	180 Months
Due	Apr 2, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3911 E 15th St was $23,791.

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	$23,791.00	$1,500,214 Land $650,108 Building $850,106	$1,500,214 Land $650,108 Building $850,106
2023	$25,410.00 (+14.38%)	$1,530,399 (+7.74%) Land $650,107 Building $880,292	$1,530,399 (+7.74%) Land $650,107 Building $880,292
2022	$22,215.00	$1,420,472 Land $520,086 Building $900,386	$1,420,472 Land $520,086 Building $900,386

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

Flood

FEMA maps place 3911 E 15th St in Zone X, an area of minimal flood risk, within 500 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 190 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	190 in force
Nearby Flood Claims	6 (2018–2021)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 5 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 3911 E 15th St is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20