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

Bay County property record for 659 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Vacant Land
Details	6,144 sqft · built 1997
Lot Size	0.337 acres (14,679 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Dec 2023)
Tax Bill	$1,161 (2025)
Deeds & Mortgages	Dec 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14525-000-000`

Property Details

APN / Parcel Number

Primary APN	`14525-000-000`

Interior

Total Rooms	3 Rooms
Building Area	6,144 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	14,679 sqft (0.337 acres)
Lot Dimensions	190 ft deep x 102 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	659 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	PC09
Legal Description	COASTAL LANDS 2ND ADD COM AT SW COR OF SEC E 2684.13 N 63.70 W 72 FOR POB TH SWLY 27.55 WLY 89.26 N 190.53 E 102.26 S 166.21 TO POB BEING PT LOTS 1,2,3,4 BLK A & BEING PART OF DOT PRCL# 228 ORB 2405 P 71 LESS DOT PRCL 178.1 ORB 4759 P 170
Legal Range	14W
Legal Township	03S
Legal Section	33
Legal Subdivision	COASTAL LANDS 2ND ADD
Legal Block	A
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1021
Census Tract	1600

Owner

659 E 15th St, commercial vacant land, is owned by two individuals who bought it in December 2023.

Source: Bay County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6200 CHERRY ST, PANAMA CITY, FL 32404-7959
Owner Type	Individual
Vesting	His Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on File
Deed Sale	Dec 20, 2023 · Amount on File
Prior Sale	Mar 3, 2004 · Amount on File
Deed Document Number	202378526
Deed Book / Page	4759 / 170
Prior Transfer Date	Feb 26, 2004
Prior Transfer Doc	0024050071
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 20, 2023
Property Address	659 E 15TH ST, PANAMA CITY, FL 32405
Document Number	0047590170
Book / Page	4759 / 170
Map Reference	MB 3 PG 5
Instrument Date	Dec 19, 2023
Instrument	2023078526
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	NORTH FLORIDA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 BEACHWOOD DR, PANAMA CITY BEACH, FL 32413-2786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6200 CHERRY ST, PANAMA CITY, FL 32404-7959

Mortgage

Document Number	0004759172
Date	Dec 20, 2023
Instrument	4759/172

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Dec 19, 2025

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 659 E 15th St was $1,161, down 1.9% from the year before.

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

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	$1,161.00 (-1.94%)	$73,561 Land $73,560 Building $1	$73,561 Land $73,560 Building $1
2024	$1,184.00 (-7.36%)
2023	$1,278.00 (+17.57%)	$73,561 (+25%) Land $73,560 Building $1	$73,561 (+25%) Land $73,560 Building $1
2022	$1,087.00	$58,849 Land $58,848 Building $1	$58,849 Land $58,848 Building $1

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

Flood

FEMA maps place 659 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 659 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 80 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	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20