Bay County property record for 515 Palermo Rd, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,401 sqft · built 1983 |
| Lot Size | 0.086 acres (3,746 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $13,400 (May 2007) |
| Tax Bill | $1,808 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11677-150-000 |
| Primary APN | 11677-150-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,401 sqft Living Area |
| 1st Floor Area | 678 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 3,746 sqft (0.086 acres) |
| Lot Dimensions | 140 ft deep x 27 ft wide |
| Porch | Open Porch |
| Porch Area | 136 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 515 PALERMO RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC05 |
| Legal Description | 17 3S 14W -10.150- 90A ST AND BAY DEV CO PLAT BEG 2052.20 E OF SW COR TH E 27 N 139.89 W 27 S 139.89 TO POB UNIT 4N SUBJ TO ESMNT ACROSS S 40 ORB 3519 P 854 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 17 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 1501 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 614 TIMBERS XING, LYNN HAVEN, FL 32444-8342 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2007 · Amount on Record |
| Deed Sale | May 2, 2007 · Amount on Record |
| Deed Document Number | 200729503 |
| Deed Book / Page | 2918 / 1548 |
| Prior Transfer Date | Mar 27, 2007 |
| Prior Transfer Doc | 0029181548 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 515 PALERMO RD, PANAMA CITY, FL 32405-4808 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 614 TIMBERS XING, LYNN HAVEN, FL 32444-8342 |
| Document Number | 0047580723 |
|---|---|
| Date | Dec 18, 2023 |
| Book Page | 4758/723 |
| Instrument | 2023078039 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,808.00 (-8.36%) | $108,902 (+0.39%) | $125,430 (+15.63%) Land $18,815 Building $106,615 |
| 2024 | $1,973.00 (+5.51%) | ||
| 2023 | $1,870.00 (+14.02%) | $108,479 (+10.08%) Land $16,000 Building $92,479 | $108,479 (+10.08%) Land $16,000 Building $92,479 |
| 2022 | $1,640.00 | $98,547 Land $14,470 Building $84,077 | $98,547 Land $14,470 Building $84,077 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 156 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 156 in force |
| Nearby Flood Claims | 64 (1982–2021) |
| Claims Outside the SFHA | 42 of 64 |
| Most Recent Claim | Oct 2021 · other causes |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
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