33 3S 14W -1- 104C1 COM NE COR SEC TH W 474 TH SELY 26.21 TO S R/W 23RD ST AND THE POB TH SELY 406.77 TO NLY R/W HWY 231 TH NWLY 47.52 NWLY 144.92 SWLY 52 NWLY 47.94 TO PC OF CURVE TH NWLY 10.74 TH NWLY 160.74 TH N 200.60 TO S R/W 23RD ST TH E 1.83 N
Legal Range
14W
Legal Township
03S
Legal Section
33
Jurisdiction
BAY FL
Township / Civil Division
PANAMA CITY
Census Block Group
1
Census Block
1002
Census Tract
1600
Owner
1020 E 23rd St, a commercial property, is owned by a company that bought it in December 2023.
Source: Bay County records, as of January 5, 2026
Owner of Record
Company Name on File
Mailing Address
20900 NE 30TH AVE, 307, MIAMI, FL 33180-2163
Owner Type
Company
Vesting
Limited Liability Partnership
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 1020 E 23rd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone
Zone AE high risk
100-Year Floodplain
Yes 1% annual chance
Floodway
No
Base Flood Elevation
35.0 ft
Flood Insurance Requirement
Required federally backed loans
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 1020 E 23rd 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 98% of the US · lower than 97.6% 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.
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 28 locations within half a mile, as of December 31, 2025