Bay County property record for 815 E 25th St, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,804 sqft · built 1963 |
| Lot Size | 3.3 acres (143,748 sqft) |
| Owner | Owner Name on File |
| Last Sale | $270,100 (Jul 2010) |
| Tax Bill | $3,480 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 12917-000-000 |
| Primary APN | 12917-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,804 sqft Heated Area |
| Gross Area | 2,732 sqft |
| 1st Floor Area | 1,804 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 143,748 sqft (3.3 acres) |
| Driveway | Driveway |
| Driveway Area | 1,416 sqft |
| Porch | Porch |
| Porch Area | 520 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 815 E 25TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 28 3S 14W -59- 104B ST A B DEV CO PLAT THE W 4 ACRES OF LOT 94 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 28 |
| Legal Subdivision | ST ANDREWS BAY DEV COM |
| Legal Lot Number | 94 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 1302 |
The current owner of 815 E 25th St bought it in July 2010.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | PO BOX 67, LYNN HAVEN, FL 32444-0067 |
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 | Jul 28, 2010 · Amount on File |
| Deed Sale | Jul 28, 2010 · Amount on File |
| Deed Document Number | 2010038447 |
| Deed Book / Page | 3256 / 2139 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 815 E 25th St was $3,480.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,480.00 | $281,313 Land $78,618 Building $202,695 | $281,313 Land $78,618 Building $202,695 |
| 2023 | $3,108.00 (+19.63%) | $255,213 (+11.82%) Land $60,872 Building $194,341 | $255,213 (+11.82%) Land $60,872 Building $194,341 |
| 2022 | $2,598.00 | $228,228 Land $49,074 Building $179,154 | $228,228 Land $49,074 Building $179,154 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 815 E 25th St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 21 (1998–2018) |
| Claims Outside the SFHA | 6 of 21 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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 815 E 25th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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