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415 Harrison Ave, Panama City, FL 32401 Property Records

Bay County property record for 415 Harrison Ave, Panama City, FL 32401

Property Summary

Property TypeRestaurant
Details9,870 sqft · built 1942
Lot Size0.096 acres (4,181 sqft)
OwnerCompany Name on Record
Last Sale$525,000 (Jan 2018)
Tax Bill$5,391 (2025)
Deeds & MortgagesJan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN19581-000-000

Property Details

APN / Parcel Number

Primary APN19581-000-000

Interior

Total Rooms3 Rooms
Stories2 Stories
Building Area9,870 sqft Gross Area
1st Floor Area3,240 sqft
Basement Area3,990 sqft
Finished Basement3,990 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1942
Effective Year BuiltEffective 1982
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeSawtooth
Roof MaterialOther
Lot Area4,181 sqft (0.096 acres)
Lot Dimensions140 ft deep x 30 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address415 HARRISON AVE
CityPANAMA CITY
StateFL
Zip32401-2731
Property CategoryCommercial
Property TypeCommercial > Retail > Restaurant
Local Zoning CodePC10
Legal DescriptionGCD PLAT LOT 31 BLK 3 ORB 3975 P 487 MAP 92D1
Legal Range14W
Legal Township04S
Legal Section08
Legal SubdivisionGCD PLAT
Legal Block3
Legal Lot Number31
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1061
Census Tract2000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing AddressPO BOX 70, DOUGLASVILLE, GA 30133-0070
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 29, 2018 · Amount on Record
Deed SaleJan 29, 2018 · Amount on Record
Deed Document Number20185487
Deed Book / Page3975 / 487
Prior Transfer DateApr 11, 2003
Prior Transfer Doc0022650168
Record UpdatedOct 29, 2026

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 29, 2018
Property Address415 HARRISON AVE, PANAMA CITY, FL 32401-2731
Document Number0039750487
Book / Page003975 / 000487
Instrument DateJan 25, 2018
Instrument5487
Transaction TypeTransfer
Record UpdatedFeb 28, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,675.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 70 DOUGLASVILLE GA 301330070, DOUGLASVILLE, GA 30133-0070

Mortgage

Document Number39750489
DateJan 29, 2018
Book Page003975/000489
Instrument5488
Lender
NameBEACHIE PROPERTIES INC
AddressPANAMA CITY, FL 32401
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

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$5,391.00 (-14.18%)$190,893 (-63.13%)$528,835 (+2.13%) Land $121,275 Building $407,560
2024$6,282.00 (+9.67%)
2023$5,728.00 (+28.29%)$517,803 (+20.04%) Land $110,250 Building $407,553$517,803 (+20.04%) Land $110,250 Building $407,553
2022$4,465.00$431,341 Land $80,640 Building $350,701$431,341 Land $80,640 Building $350,701

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 47 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies47 in force
Nearby Flood Claims93 (1984–2020)
Claims Outside the SFHA64 of 93
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Michael, Oct 2018 · 23 claims
  • Hurricane Dennis, Jul 2005 · 6 claims
  • Hurricane Opal, Oct 1995 · 39 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

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

Wildfire RiskNot rated
no burnable land 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 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 229 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: Verizon, WOW Internet, Cable & Phone.

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