Bay County property record for 103 E 23rd St, Panama City, FL 32405
| Property Type | Medical Building |
|---|---|
| Details | 16,057 sqft · built 1989 |
| Lot Size | 2.77 acres (120,748 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,062,500 (Dec 2009) |
| Tax Bill | $31,366 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 12978-000-000 |
| Primary APN | 12978-000-000 |
|---|
| Total Rooms | 18 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 16,057 sqft Total Area |
| 1st Floor Area | 15,625 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Construction Type | Steel Frame |
| Fire Resistance | Fireproof Steel Frame |
| Roof Type | Steel Frame/Truss |
| Roof Material | Metal |
| Lot Area | 120,748 sqft (2.77 acres) |
| Lot Dimensions | 305 ft deep x 198 ft wide |
| Garage Area | 2,697 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 103 E 23RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4501 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Medical Building |
| Local Zoning Code | PC09 |
| Legal Description | 28 3S 14W -109- 104B ST AND BAY DEV CO PLAT BEG 50' N & 200' E OF SW COR |
| 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 |
103 E 23rd St, a commercial property, is owned by a company that bought it in December 2009.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 15112, PANAMA CITY, FL 32406-5112 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 24, 2009 · Amount on File |
| Deed Sale | Dec 24, 2009 · Amount on File |
| Deed Document Number | 2009072703 |
| Deed Book / Page | 3209 / 0012 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 103 E 23rd St was $31,366.
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 | $31,366.00 | $1,985,981 Land $644,490 Building $1,341,491 | $1,985,981 Land $644,490 Building $1,341,491 |
| 2023 | $35,224.00 (+5.14%) | $2,051,043 (-1%) Land $644,490 Building $1,406,553 | $2,051,043 (-1%) Land $644,490 Building $1,406,553 |
| 2022 | $33,503.00 | $2,071,661 Land $632,709 Building $1,438,952 | $2,071,661 Land $632,709 Building $1,438,952 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 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 |
|
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 103 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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures