Bay County property record for 827 E 15th St, Panama City, FL 32405
| Property Type | Wholesale Outlet, Discount Store (Franchise) |
|---|---|
| Details | 3,380 sqft · built 1968 |
| Lot Size | 0.548 acres (23,871 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,149 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14506-000-000 |
| Primary APN | 14506-000-000 |
|---|
| Total Rooms | 5 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 3,380 sqft Total Area |
| 1st Floor Area | 2,508 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plywood |
| Year Built | Built 1968 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Reinforced Concrete |
| Roof Material | Metal |
| Lot Area | 23,871 sqft (0.548 acres) |
| Lot Dimensions | 200 ft deep x 105 ft wide |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 827 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 | PC11 |
| Legal Description | KEITH'S 4TH ADD THE W 105.41' OF LOTS 4 & 5 LESS S 10' LOT 5 BLK 4 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 33 |
| Legal Subdivision | KEITH'S |
| Legal Block | 4 |
| Legal Lot Number | 4,5 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1600 |
827 E 15th St, a commercial property, is owned and occupied by an individual who acquired it in August 1998.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 827 E 15TH ST, PANAMA CITY, FL 32405-6101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Aug 10, 1998 |
| Deed Sale | Aug 10, 1998 |
| Deed Document Number | 0001812437 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 827 E 15th St was $1,149.
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 | $1,149.00 | $72,777 Land $47,742 Building $25,035 | $72,777 Land $47,742 Building $25,035 |
| 2023 | $1,399.00 (+6.88%) | $72,777 (-) Land $47,741 Building $25,036 | $72,777 (-) Land $47,741 Building $25,036 |
| 2022 | $1,309.00 | $72,777 Land $47,741 Building $25,036 | $72,777 Land $47,741 Building $25,036 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 827 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 |
|
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 827 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.
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 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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