528 15th St, Mexico Beach (Port Saint Joe), FL 32456 Property Records

Bay County property record for 528 15th St, Mexico Beach, FL 32456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,986 sqft
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$582,500 (Aug 2026)
Tax Bill	$5,565 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`04185-508-000`

Property Details

APN / Parcel Number

Primary APN	`04185-508-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,986 sqft Living Area
Gross Area	2,836 sqft
1st Floor Area	1,986 sqft

Exterior

Lot Area	11,761 sqft (0.27 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	528 15TH ST
City	MEXICO BEACH
State	FL
Zip	32456-7057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MB01
Legal Description	PARADISE COVE 235D4 LOT 8 ORB 4514 P 2277
Legal Range	12W
Legal Township	06S
Legal Section	24
Legal Subdivision	PARADISE COVE
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	MEXICO BEACH
Census Block Group	1
Census Block	1029
Census Tract	600

Owner

Source: Bay County records, as of September 1, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	31 THORNCLIFF CT, ACWORTH, GA 30101-2652
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Warranty Deed, Transfer · Seller Carry-Back MILTON BANK
Feb 9, 2023	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK
Jan 24, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Jan 24, 2022 · Amount on Record
Deed Document Number	202650308
Deed Book / Page	5068 / 821
Prior Transfer Date	May 18, 2009
Prior Transfer Doc	0031570574
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 14, 2026
Property Address	528 15TH ST, MEXICO BEACH, FL 32456-7057
Document Number	0000050308
Book / Page	5068 / 821
Instrument Date	Aug 6, 2026
Instrument	202650308
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$411,827.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050309,
Date	Aug 14, 2026
Instrument	202650309

Lender

Name	MILTON BANK
Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	60 Months
Due	Aug 15, 2031

Interest

Rate Type	Balloon
Rate	6%
Initial Type	Balloon
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	528 15TH ST, MEXICO BEACH, FL 32456-7057
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046551660
Date	Feb 9, 2023
Book Page	4655/1660
Instrument	2023007874

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 3, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 24, 2022
Property Address	528 15TH ST, MEXICO BEACH, FL 32456-7057
Document Number	0045142277
Book / Page	4514 / 2277
Map Reference	MB 19 PG 75
Instrument Date	Jan 18, 2022
Instrument	2022005411
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$572.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	539 BRIDLE WAY, HOPKINSVILLE, KY 42240-7907

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 POSSUM HOLLOW RD, PALMYRA, TN 37142-2200
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,565.00 (+335.45%)	$342,603 (+392.74%) Land $76,500 Building $266,103	$342,603 (+392.74%) Land $76,500 Building $266,103
2024	$1,278.00 (+7.3%)
2023	$1,191.00 (+51.33%)	$69,530 (+20.54%) Land $69,530	$69,530 (+20.54%) Land $69,530
2022	$787.00	$57,681 Land $57,681	$57,681 Land $57,681

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 378 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	693 units insured incl. 315 condo units
Nearby Flood Claims	914 (1985–2024)
Claims Outside the SFHA	547 of 914
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 581 claims Hurricane Dennis, Jul 2005 · 22 claims Hurricane Opal, Oct 1995 · 195 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 Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.3% 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 MEXICO BEACH serves 5,888 people · EPA ID FL1030467
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 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	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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: T-Mobile, Verizon.

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