Skip to main content
New: 1,005 rent-to-own tire locations
VRTO

Tool Time Building & Roofing

Closed right now, opens 8 AM. Call ahead and they will tell you what is on the floor today.

3822 E 15th St, Panama City, FL 32404 (850) 763-0065
Closed · Opens 8 AM 4.8 out of 5 stars, 220 Google reviews 4.8 (220 Google reviews) How rankings work Confirmed Nov 1, 2026
On the floor here
Sheds
Inside Tool Time Building & Roofing
Tool Time Building & Roofing photo
Tool Time Building & Roofing photo
Tool Time Building & Roofing photo
Tool Time Building & Roofing photo

Photos from this location's public business profile and the store's own submissions. VRTO does not add photography.

What you can rent here

Tool Time Building & Roofing in Panama City, Florida finances portable buildings through lease-to-own arrangements. The company's framing is direct: rather than paying forever for storage, pay a little while and own the building outright. Any of its portable buildings can be financed through the payment options it lists, so buyers are not restricted to a subset of eligible models. Tool Time holds a 4.8-star Google rating across 207 reviews.

What this store carries

These are the categories this Tool Time Building & Roofing carries. Call the store for current prices and terms.

Sheds
Call the store for what is currently in stock.

This location

3822 E 15th St, Panama City, FL. Closed · Opens 8 AM.

Call (850) 763-0065 Get directions

Tool Time Building & Roofing will tell you what you qualify for before anything is run, stated by Tool Time Building & Roofing.

Before you go in

Bring a photo ID and something that shows your income, like a pay stub.
Ask what the payment is, how many payments there are, and what the total comes to.
Ask what the item costs if you pay it off in the first 90 days.
Read the agreement before you sign it, and take a copy home.

How rent-to-own leases usually work

Payment frequency Monthly
Typical term 36 to 60 months
Early payoff discount Standard
Credit check Usually not required (valid ID)

Typical terms for rent-to-own stores. This store sets its own; always read the agreement before you sign.

What to bring

  • Valid photo ID (driver's license, state ID, or passport)
  • Proof of income (recent pay stub, bank statement, or benefits letter)
  • Proof of residence (utility bill, lease agreement, or mail with your address)
  • Personal references (typically 3 to 4 contacts with phone numbers)

How it works

  1. 1Browse in store and choose from available furniture, appliances, electronics, and more.
  2. 2Apply with no traditional credit check at most stores. Approval is based on income and residency.
  3. 3Get approved, often same day, with immediate access to your items.
  4. 4Delivery or pickup, with free delivery, setup, and ongoing service at most stores.

Typically included with rent-to-own agreements:

Delivery, setup, service, maintenance, return rights, and early purchase options vary by retailer and agreement. Ask the store to provide the complete written terms before signing.

Frequently asked questions

Tool Time Building & Roofing offers sheds on a rent-to-own basis. Product availability and pricing may vary. Contact the store directly to confirm current inventory.

Tool Time Building & Roofing is located at 3822 E 15th St, Panama City, FL. Check the store hours listed on this page for current opening and closing times, as hours may vary on holidays.

Most rent-to-own stores, including Tool Time Building & Roofing, do not require a traditional credit check. Approval is typically based on income verification and proof of residency. Contact Tool Time Building & Roofing directly to confirm their specific requirements.

Return timing, fees, item condition, refunds, and remaining obligations vary by agreement. Contact Tool Time Building & Roofing to review its written return and early purchase terms.

You can contact the store directly by calling (850) 763-0065 or visiting in person at 3822 E 15th St, Panama City, FL.

Hours and how to get there

Monday Closed
Tuesday (Today) 8:00 AM – 5:00 PM
Wednesday 8:00 AM – 5:00 PM
Thursday 8:00 AM – 5:00 PM
Friday 8:00 AM – 5:00 PM
Saturday Closed
Sunday Closed

Hours confirmed with the store Nov 1, 2026. Call ahead on a holiday.

Where to find it
3822 E 15th St Panama City, FL 32404

Customer reviews

4.8 out of 5 stars, 220 Google reviews 4.8 220 · Google
Have you visited this store? Write a review on Google
Tim Shockley
Tim Shockley 1 month ago

TJ,Blake ,Charles and Jason got to my home at 8 sharp and built a beautiful 12x16 shed for me and was on their way by noon! The shed is flawless I watched as the guys worked like a machine each one knew their roll and executed it perfectly great communication, work ethics and skills. I would recommend them to everyone , I am a very happy customer , thankyou guys , job well done. Sincerely , Tim Shockley

Bambi Lesne
Bambi Lesne 2 months ago

This was a wonderful experience, went to the office and met with the staff and worked out a great deal. they came out and put up the poles…excellent job. When the cement was done curing, the men were quick and we had our pole barn within two days, even though the weather was not ideal, thunder and lightning!…… they left the yard in great condition and were polite and friendly

Gratia Flores
Gratia Flores 5 months ago

Great crew! Ben Tindell was knowledgeable and a true pleasure to deal with and answered all our questions and concerns. The concrete crew were meticulous in their work as were TJ, Jordan and Tim in the construction process of our building. Both crews did a phenomenal job! Picked up and cleaned the entire area. Can’t say enough good things! Very conscientious, professional and courteous team. My husband and I are extremely pleased and would highly recommend Tool Time!

Daniel Flisek
Daniel Flisek 6 months ago

Tony and his crew were a real pleasure to work with. Tony helped us customize the shop to our specs, and his guys built it in two days. They even installed the windows we bought separately. The building is very well built and leak-proof, and we are thrilled with how it turned out. Highly recommend Tool Time for all your outbuilding needs!

Lakota Warrior
Lakota Warrior 6 months ago

10 Gold Stars Woooo Hooooo !!!! Tool Time Team was professional and exceptional. Against all odds to include ferocious No See Ums, relentless yellow biting flies and a blinding snow storm, fire and brimstone they accomplished the mission at hand. Seriously, Team Tool Time Panama City exceeded my expectations. The quality of work is superior to that of Home Depot or Lowe’s and other providers. I highly recommend Thomas Joseph and Jordon and the other two team members whom all had great attitudes and were polite and just good people. My Bernese mountain dog can vouch for them too and animals are a better judge of character than most people. I am very grateful and thankful. Have a blessed day.

tim linderman
tim linderman 7 months ago

Very happy with the 6x10 shed T.J. and Jason built in place. Workmanship was great and best of all it looks like it's part of the house.

Ruben Beltran
Ruben Beltran 1 year ago

My name is Ruben and Tool Time built me a 10x16 aluminum siding shed. I could not be any happier, it is actually my wife’s shed and she also loves it. I have to say the customer service that was received was phenomenal. The crew that came out to work and complete this project consisted of Brandon, TJ and last but not least Jason. These men were great they are very knowledgeable about their job, informative, professional and very easy to talk with

Jean-Paul Berger

Tool Time builders of PC did a great job with our Florida room addition. From start to finish, very professional, on time and they were clean and neat throughout the whole process. They pay attention to detail and go beyond expectations to make it the way you want. TJ, and Josh who showed up for the work did a wonderful job, and kept me in the loop when i was out of town. Don't hesitate to use TTB for your build needs. PB

Keep looking

Other places to try in Panama City area, FL

More stores in Panama City

All Panama City stores

Nearest first. The figure is that store's own Google rating.

Listings and rankings on VRTO are never paid for. How rankings work

Categories at this store

Each opens that category across Panama City. The count is the Panama City stores carrying it.

Data accuracy notice

Store details including hours, address, phone number, and product availability are sourced from publicly available retailer data and updated regularly. This information may not reflect recent changes. Always contact the store directly to confirm current hours, inventory, and pricing before visiting. VRTO (Virtual Rent To Own) is a directory and is not affiliated with, endorsed by, or acting as an agent of Tool Time Building & Roofing or any other rent-to-own company. Reviews and ratings shown are from Google and reflect the opinions of individual reviewers, not VRTO. See our full disclaimer and data collection methodology.

Listing information for Tool Time Building & Roofing is provided for reference purposes only. VRTO is not affiliated with this store. Contact the store directly to verify hours, inventory, and pricing.

VRTO uses cookies. We do not sell your information.

Do Not Sell or Share My Personal Information

Your browser sent a Global Privacy Control signal, so we set your choices to only what's needed.

Do Not Sell or Share My Personal Information

Your cookie choices

Necessary cookies keep the site working and can't be turned off. You choose the rest.

Global Privacy Control is enabled in this browser. Analytics remains off.

Necessary

Keeps you signed into your session, protects forms from abuse, and remembers your state so search results are right. Always on.

Analytics

Tells us which pages help people find a rent-to-own store, so we know what to fix. No ad targeting, no cross-site tracking.

Do Not Sell or Share My Personal Information