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

Bay County property record for 5 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Vehicle Sales & Rentals
Details	2,079 sqft · built 1973
Lot Size	0.071 acres (3,136 sqft)
Owner	Owner Name on File
Last Sale	$120,000 (Jul 2002)
Tax Bill	$583 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14402-000-000`

Property Details

APN / Parcel Number

Primary APN	`14402-000-000`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,079 sqft Total Area
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 1973
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Material	Metal
Lot Area	3,136 sqft (0.071 acres)
Lot Dimensions	170 ft deep x 213 ft wide
Garage Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-5402
Property Category	Commercial
Property Type	Commercial > Retail > Vehicle Sales & Rentals
Local Zoning Code	PC09
Legal Description	BRENNER PARK PT LUVERNE AV & ALL BLK 5 LESS DOT PRCL 156R
Legal Range	14W
Legal Township	03S
Legal Section	32
Legal Subdivision	BRENNER PARK
Legal Block	5
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1010
Census Tract	1600

Owner

The current owner of 5 E 15th St bought it in July 2002.

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

Owner of Record	Owner Name on File
Mailing Address	341 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268

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
Feb 22, 2022	Deed of Trust, Mortgage LARRY LEE INC
Apr 21, 2020	Deed of Trust, Mortgage CHRISTOPHER P NIQUET

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2002 · Amount on File
Deed Sale	Jul 2, 2002 · Amount on File
Deed Document Number	2002-040070
Deed Book / Page	2158 / 1422
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	5 E 15TH ST, PANAMA CITY, FL 32405-5402
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2813 STATE AVE, PANAMA CITY, FL 32405-4325

Mortgage

Document Number	0045270362
Date	Feb 22, 2022
Book Page	4527/362
Instrument	2022012798

Lender

Name	LARRY LEE INC
Type	Non-Lending Institution
Address	PANAMA CITY, FL 32405

Agreement

Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	5 E 15TH ST, PANAMA CITY, FL 32405-5402
Document Number	0042452203
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7020 SANDRA RD PANAMA CITY FL 324091529, PANAMA CITY, FL 32409-1529

Mortgage

Document Number	0042452203
Date	Apr 24, 2020
Book Page	004245/002203
Instrument	27980

Lender

Name	CHRISTOPHER P NIQUET
Address	731 NEW YORK AVE, LYNN HAVEN, FL 32444-1751

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 23, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5 E 15th St was $583, down 82.3% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$583.00 (-82.32%)	$36,938 (-82.88%) Land $32,084 Building $4,854	$36,938 (-82.88%) Land $32,084 Building $4,854
2024	$3,298.00 (+3.58%)	$215,756 (-) Land $193,824 Building $21,932	$215,756 (-) Land $193,824 Building $21,932
2023	$3,184.00 (+25.21%)	$215,756 (+40.41%) Land $193,824 Building $21,932	$215,756 (+40.41%) Land $193,824 Building $21,932
2022	$2,543.00	$153,657 Land $131,725 Building $21,932	$153,657 Land $131,725 Building $21,932

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 5 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims Hurricane Opal, Oct 1995 · 2 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

The area around 5 E 15th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not 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 System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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