101 E 23rd St, Panama City, FL 32405 Property Records

Bay County property record for 101 E 23rd St, Panama City, FL 32405

Property Summary

Property Type	Bank, Financial Building
Details	18,350 sqft · built 1984
Lot Size	2.09 acres (91,476 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Aug 2025)
Tax Bill	$28,426 (2025)
Flood Zone	Zone X (minimal risk)
APN	`12979-000-000`

Property Details

APN / Parcel Number

Primary APN	`12979-000-000`

Interior

Total Rooms	18 Rooms
Stories	3 Stories
Building Area	18,350 sqft Total Area
1st Floor Area	4,838 sqft
2nd Floor Area	8,625 sqft
Upper Floors Area	400 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1984
Exterior Material	Concrete
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Reinforced Concrete
Roof Material	Built-Up Asphalt
Lot Area	91,476 sqft (2.09 acres)
Lot Dimensions	590 ft deep x 150 ft wide
Porch	Porch
Porch Area	787 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Forced Air

Location & Zoning

Street Address	101 E 23RD ST
City	PANAMA CITY
State	FL
Zip	32405-4501
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	PC09
Legal Description	28 3S 14W -109.1- 104B ST AND BAY DEV CO PLAT BEG 50' E & 50' N OF SW COR TH
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST AND BAY DEV CO
Legal Lot Number	120 121
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1502

Owner

101 E 23rd St, a commercial property, is owned by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4906 SPYGLASS DR, PANAMA CITY BEACH, FL 32408-6916
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2025 · Amount on File
Deed Sale	Aug 26, 2025 · Amount on File
Prior Sale	Sep 3, 2024 · Amount on File
Deed Document Number	2025048823
Deed Book / Page	4946 / 622
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 101 E 23rd St was $28,426.

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	$28,426.00	$1,799,878 Land $1,050,000 Building $749,878	$1,799,878 Land $1,050,000 Building $749,878
2023	$31,678.00 (+8.72%)	$1,883,074 (-2.5%) Land $1,050,000 Building $833,074	$1,883,074 (-2.5%) Land $1,050,000 Building $833,074
2022	$29,136.00	$1,931,316 Land $1,029,000 Building $902,316	$1,931,316 Land $1,029,000 Building $902,316

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

Flood

FEMA maps place 101 E 23rd 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 176 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	176 in force
Nearby Flood Claims	52 (1998–2025)
Claims Outside the SFHA	24 of 52
Most Recent Claim	Jul 2025 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 19 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2009 · 8 claims Hurricane Georges, Sep 1998 · 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 101 E 23rd 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	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