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

Bay County property record for 9 E 15th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Vacant Land
Lot Size	0.766 acres (33,367 sqft)
Owner	Company Name on File
Tax Bill	$2,656 (2025)
Deeds & Mortgages	Apr 2020 Construction Loan Nov 2006 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`14402-010-000`

Property Details

APN / Parcel Number

Primary APN	`14402-010-000`

Interior

Total Rooms	4 Rooms
Stories	1 Story

Exterior

Lot Area	33,367 sqft (0.766 acres)
Lot Dimensions	310 ft deep x 140 ft wide
Fence	Fence

Location & Zoning

Street Address	9 E 15TH ST
City	PANAMA CITY
State	FL
Zip	32405-5402
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	PC09
Legal Description	BRENNER PARK BEG 40' N OF SE COR OF SEC 32 TH W 150' N 260.31' TO RR R/W
Legal Range	14W
Legal Township	03S
Legal Section	32
Legal Subdivision	BRENNER PARK
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1010
Census Tract	1600

Owner

9 E 15th St, commercial vacant land, is owned by a company that acquired it in March 2011 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	9 E 15TH ST, PANAMA CITY, FL 32405-5402
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
Apr 9, 2020	Deed of Trust, Construction Loan · Construction Mortgage LAURA PARKS PARKS
Nov 2, 2006	Loan Modification, Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2011
Deed Sale	Mar 31, 2011
Deed Document Number	0033332094
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Apr 9, 2020
Property Address	9 E 15TH ST, PANAMA CITY, FL 32405-5402
Document Number	0042402369
Book / Page	004240 / 002369
Instrument Date	Apr 7, 2020
Instrument	24929
Transaction Type	Construction Loan
Record Updated	May 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9 E 15TH ST PANAMA CITY FL 324055402, PANAMA CITY, FL 32405-5402

Mortgage

Document Number	42402369
Date	Apr 9, 2020
Book Page	004240/002369
Instrument	24929

Lender

Name	LAURA PARKS PARKS
Address	160 RIVER CIR, SANTA ROSA BEACH, FL 32459-8407

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 8, 2021

November 2006: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	9 E 15TH ST, PANAMA CITY, FL 32405-5402
Document Number	0038890726
Instrument Date	Nov 2, 2006
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9 E 15TH ST PANAMA CITY FL 324055402, PANAMA CITY, FL 32405-5402

Mortgage

Document Number	0038890726
Date	Apr 6, 2017
Book Page	003889/000726
Instrument	19085

Lender

Name	CENTENNIAL BK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 9 E 15th St was $2,656, down 21.8% from the year before.

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	$2,656.00 (-21.79%)	$168,215 (-22.92%) Land $166,605 Building $1,610	$168,215 (-22.92%) Land $166,605 Building $1,610
2024	$3,396.00 (-0.41%)	$218,240 (-) Land $216,630 Building $1,610	$218,240 (-) Land $216,630 Building $1,610
2023	$3,410.00 (+20.62%)	$218,240 (+24.77%) Land $216,630 Building $1,610	$218,240 (+24.77%) Land $216,630 Building $1,610
2022	$2,827.00	$174,914 Land $173,304 Building $1,610	$174,914 Land $173,304 Building $1,610

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

Flood

FEMA maps place 9 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

Wildfire risk around 9 E 15th St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon, WOW Internet, Cable & Phone.

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