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

Bay County property record for 400 E 15th St, Panama City, FL 32405

Property Summary

Property TypeService Shop (TV, Radio, Electric, Plumbing)
Details9,650 sqft · built 1997
Lot Size0.837 acres (36,503 sqft)
OwnerCompany Name on File
Last Sale$950,000 (Oct 2025)
Tax Bill$4,518 (2025)
Deeds & MortgagesOct 2025 Sale
Mar 2021 Transfer
Flood ZoneZone X (minimal risk)
APN16651-020-000

Property Details

APN / Parcel Number

Primary APN16651-020-000

Interior

Total Rooms5 Rooms
Stories1 Story
Building Area9,650 sqft Total Area
1st Floor Area7,880 sqft
FlooringConcrete/Cement

Exterior

Year BuiltBuilt 1997
Exterior MaterialMetal
Construction TypeSteel Frame
Fire ResistanceFireproof Steel Frame
Roof TypeSteel Frame/Truss
Roof MaterialMetal
Lot Area36,503 sqft (0.837 acres)
Lot Dimensions270 ft deep x 135 ft wide
FenceFence

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air

Location & Zoning

Street Address400 E 15TH ST
CityPANAMA CITY
StateFL
Zip32405-5411
Property CategoryCommercial
Property TypeCommercial > Retail > Service Shop (TV, Radio, Electric, Plumbing)
Local Zoning CodePC09
Legal Description4 4S 14W -191.2- 69A COM AT NW COR SEC TH S 40' E 831.30' FOR POB TH CONT E 135'
Legal Range14W
Legal Township04S
Legal Section04
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2004
Census Tract2000

Owner

400 E 15th St, a commercial property, is owned by a company that bought it in October 2025.

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

Owner of RecordCompany Name on File
Mailing Address825 PARCHMENT DR SE STE 400, 400, GRAND RAPIDS, MI 49546-2382
Owner TypeCompany

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
Oct 7, 2025Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 26, 2021Correction Deed
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 7, 2025 · Amount on File
Deed SaleOct 7, 2025 · Amount on File
Prior SaleOct 3, 2007 · Amount on File
Deed Document Number2025058100
Deed Book / Page4960 / 2047
Record UpdatedJun 8, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 7, 2025
Property Address400 E 15TH ST, PANAMA CITY, FL 32405-5411
Document Number0049602047
Book / Page4960 / 2047
Instrument DateOct 3, 2025
Instrument2025058100
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$6,650.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address298 CORINTHIAN PL, DESTIN, FL 32541-5327

Transferred To (Grantee/Buyer)

NameVerified Name
Address825 PARCHMENT DR SE STE 400, 400, GRAND RAPIDS, MI 49546-2382

March 2021: Correction Deed

Document TypeCorrection Deed
JurisdictionBAY FL
Recording DateMar 26, 2021
Property Address400 E 15TH ST, PANAMA CITY, FL 32405-5411
Document Number0043812161
Book / Page4381 / 2161
Instrument DateMar 18, 2021
Instrument2021022021
Record UpdatedJan 26, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 E 15TH ST, PANAMA CITY, FL 32405-5411

Tax Assessment & Valuation

The 2025 property tax bill for 400 E 15th St was $4,518, down 18.8% from the year before.

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$4,518.00 (-18.76%)$286,073 (-1.86%) Land $182,265 Building $103,808$286,073 (-1.86%) Land $182,265 Building $103,808
2024$5,561.00 (-2.75%)$291,486 (-14.37%) Land $182,265 Building $109,221$291,486 (-14.37%) Land $182,265 Building $109,221
2023$5,718.00 (+16.24%)$340,407 (+13.21%) Land $225,765 Building $114,642$340,407 (+13.21%) Land $225,765 Building $114,642
2022$4,919.00$300,674 Land $180,612 Building $120,062$300,674 Land $180,612 Building $120,062

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 400 E 15th St 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 A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 69 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies69 in force
Nearby Flood Claims55 (1983–2020)
Claims Outside the SFHA19 of 55
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 4 claims
  • Hurricane Michael, Oct 2018 · 12 claims
  • Hurricane Opal, Oct 1995 · 14 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 400 E 15th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% 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 214 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		1,000 / 75

May also be available: AT&T, T-Mobile.

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