Bay County property record for 640 E 15th St, Panama City, FL 32405
| Property Type | Commercial Vacant Land |
|---|---|
| Details | 6,772 sqft · built 1959 |
| Lot Size | 0.323 acres (14,070 sqft) |
| Owner | Owner Name on File |
| Last Sale | $175,000 (Jun 2009) |
| Tax Bill | $1,126 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 17546-000-000 |
| Primary APN | 17546-000-000 |
|---|
| Total Rooms | 29 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 6,772 sqft |
| 1st Floor Area | 6,772 sqft |
| Year Built | Built 1959 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 14,070 sqft (0.323 acres) |
| Lot Dimensions | 127 ft deep x 172 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 640 E 15TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5415 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Local Zoning Code | PC09 |
| Legal Description | LINCOLN PARK 1ST ADD. LOTS 2,3,4 BLK 3 ORB 1164 P 1896 ORB 3158 P2065 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | LINCOLN PARK 1ST |
| Legal Block | 3 |
| Legal Lot Number | 2-4 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 2000 |
The current owner of 640 E 15th St bought it in June 2009.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | PO BOX 1505, MARIANNA, FL 32447-5505 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2009 · Amount on File |
| Deed Sale | Jun 5, 2009 · Amount on File |
| Deed Document Number | 2009031848 |
| Deed Book / Page | 3158 / 2065 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 640 E 15th St was $1,126, down 34.7% from the year before.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $1,126.00 (-34.72%) | $71,340 (-35.19%) Land $70,480 Building $860 | $71,340 (-35.19%) Land $70,480 Building $860 |
| 2024 | $1,725.00 (-5.12%) | $110,080 (-) Land $109,220 Building $860 | $110,080 (-) Land $109,220 Building $860 |
| 2023 | $1,818.00 (+18.9%) | $110,080 (+24.76%) Land $109,220 Building $860 | $110,080 (+24.76%) Land $109,220 Building $860 |
| 2022 | $1,529.00 | $88,236 Land $87,376 Building $860 | $88,236 Land $87,376 Building $860 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 640 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 69 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 69 in force |
| Nearby Flood Claims | 55 (1983–2020) |
| Claims Outside the SFHA | 19 of 55 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
Wildfire risk around 640 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 Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 214 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
May also be available: AT&T, T-Mobile.
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