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

Bay County property record for 807 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Wholesale Outlet, Discount Store (Franchise)
Details	3 ba · 1,710 sqft · built 1976
Lot Size	0.6 acres (26,136 sqft)
Owner	Company Name on File
Last Sale	$150,000 (Oct 2020)
Tax Bill	$1,671 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14500-010-000`

Property Details

APN / Parcel Number

Primary APN	`14500-010-000`

Interior

Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,710 sqft Total Area
1st Floor Area	4,948 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1986
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Wood Truss
Roof Material	Rolled Roofing
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	121 ft deep x 216 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	807 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-6101
Property Category	Commercial
Property Type	Commercial > Retail > Wholesale Outlet, Discount Store (Franchise)
Local Zoning Code	PC09
Legal Description	KEITHS 4TH ADD COMM AT INT OF US 98 & PALO ALTO AVE TH E 88.9' FOR POB
Legal Range	14W
Legal Township	03S
Legal Section	33
Legal Subdivision	KEITHS
Legal Block	4
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1600

Owner

807 E 15th St, a commercial property, is owned by a company that bought it in October 2020 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	807 E 15TH ST, PANAMA CITY, FL 32405-6101
Occupancy	Owner Occupied
Owner Type	Company

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
Oct 9, 2020	Deed of Trust, Mortgage AMERIS BK
Oct 9, 2020	Deed of Trust, Mortgage AMERIS BK
Jan 29, 2020	Loan Modification, Mortgage ATTORNEY ONLY
Feb 25, 2019	Loan Modification, Consolidation and Extension, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2020 · Amount on File
Deed Sale	Oct 19, 2020 · Amount on File
Deed Document Number	2020069090
Deed Book / Page	4311 / 2015
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	807 E 15TH ST, PANAMA CITY, FL 32405-6101
Document Number	0043112018
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	807 E 15TH ST PANAMA CITY FL 324056101, PANAMA CITY, FL 32405-6101

Mortgage

Document Number	0043112018
Date	Oct 19, 2020
Book Page	004311/002018
Instrument	69091

Lender

Name	AMERIS BK
Type	Bank
Address	TALLAHASSEE, FL 32301

Agreement

Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	807 E 15TH ST, PANAMA CITY, FL 32405-6101
Document Number	0043112375
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	807 E 15TH ST PANAMA CITY FL 324056101, PANAMA CITY, FL 32405-6101

Mortgage

Document Number	0043112375
Date	Oct 19, 2020
Book Page	004311/002375
Instrument	69142

Lender

Name	AMERIS BK
Type	Bank
Address	TALLAHASSEE, FL 32301

Agreement

Amount	Amount on Record

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	807 E 15TH ST, PANAMA CITY, FL 32405-6101
Document Number	0042180839
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	807 E 15TH ST PANAMA CITY FL 324056101, PANAMA CITY, FL 32405-6101

February 2019: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	BAY FL
Property Address	807 E 15TH ST, PANAMA CITY, FL 32405-6101
Document Number	0041000858
Instrument Date	Feb 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	807 E 15TH ST PANAMA CITY FL 324056101, PANAMA CITY, FL 32405-6101

Tax Assessment & Valuation

The 2025 property tax bill for 807 E 15th St was $1,671.

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	$1,671.00	$105,802 Land $52,272 Building $53,530	$105,802 Land $52,272 Building $53,530
2023	$2,021.00 (+2.95%)	$108,431 (-2.06%) Land $52,272 Building $56,159	$108,431 (-2.06%) Land $52,272 Building $56,159
2022	$1,963.00	$110,712 Land $52,272 Building $58,440	$110,712 Land $52,272 Building $58,440

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

Flood

FEMA maps place 807 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 A, 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

Wildfire risk around 807 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 99.8% of the US · lower than 99.7% 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.

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 172 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 · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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