1030 E 23rd St, Panama City, FL 32405 Property Records

Bay County property record for 1030 E 23rd St, Panama City, FL 32405

Property Summary

Property Type	Hotel
Details	4 bd · 2 ba · 21,403 sqft · built 1998
Lot Size	2.23 acres (97,487 sqft)
Owner	Company Name on File
Tax Bill	$101,465 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14406-000-000`

Property Details

APN / Parcel Number

Primary APN	`14406-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	119 Units
Stories	6 Stories
Building Area	21,403 sqft Total Area
1st Floor Area	10,563 sqft
2nd Floor Area	41,920 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Steel Frame/Truss
Roof Material	Other
Lot Area	97,487 sqft (2.23 acres)
Lot Dimensions	260 ft deep x 375 ft wide
Driveway	Driveway
Driveway Area	2,900 sqft

Exterior Amenities

Pool Area	200 sqft
Porch	Porch
Porch Area	120 sqft
Gazebo	Gazebo
Lawn Sprinklers	Lawn Sprinklers
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1030 E 23RD ST
City	PANAMA CITY
State	FL
Zip	32405-5329
Property Category	Commercial
Property Type	Commercial > Retail > Hotel
Local Zoning Code	PC09
Legal Description	33 3S 14W -3- MAP 104C1 BEG AT NE COR OF SEC TH S 182.3' TO N R/W HWY 231 SWLY
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

1030 E 23rd St, a commercial property, is owned by a company that acquired it in March 2022.

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

Owner of Record	Company Name on File
Mailing Address	545 E JOHN CARPENTER FWY STE 1650, 1650, IRVING, TX 75062-8150
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
Mar 16, 2023	Deed of Trust, Mortgage · Commercial Mortgage GOLDMAN SACHS BANK USA
Mar 11, 2022	Special Warranty Deed, Transfer · Unknown DEUTSCHE BANK NATIONAL TRUST CO
Jun 4, 2018	Grant Deed, Mortgage JP MORGAN CHASE BK
May 30, 2018	Deed of Trust, Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2022
Deed Sale	Mar 11, 2022
Prior Sale	May 11, 2007
Deed Document Number	2022018111
Deed Book / Page	4535 / 909
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1030 E 23RD ST, PANAMA CITY, FL 32405-5329
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 E JOHN CARPENTER FWY 1400, 1400, IRVING, TX 75062-3933
Investor	Possibly a Property Investor

Mortgage

Document Number	0046672072
Date	Mar 16, 2023
Book Page	4667/2072
Instrument	2023015865

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 11, 2022
Property Address	1030 E 23RD ST, PANAMA CITY, FL 32405-5329
Document Number	0045350909
Book / Page	4535 / 909
Instrument Date	Feb 28, 2022
Instrument	2022018111
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 E JOHN CARPENTER FWY, IRVING, TX 75062-3931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 E JOHN CARPENTER FWY, IRVING, TX 75062-3931
Investor	Possibly a Property Investor

Mortgage

Document Number	0004535913
Date	Mar 11, 2022
Instrument	4535/913

Lender

Name	DEUTSCHE BANK NATIONAL TRUST CO
Type	Bank

Agreement

Type	Unknown
Amount	Amount on Record

June 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Jun 4, 2018
Property Address	1030 E 23RD ST, PANAMA CITY, FL 32405-5329
Document Number	0040141194
Book / Page	004014 / 001194
Instrument Date	May 30, 2018
Instrument	32764
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1030 E 23RD ST PANAMA CITY FL 324055329, PANAMA CITY, FL 32405-5329

Mortgage

Document Number	0040141194
Date	Jun 4, 2018
Book Page	004014/001194
Instrument	32764

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	383 MADISON AVE, NEW YORK, NY 10179-0001

Agreement

Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1030 E 23RD ST, PANAMA CITY, FL 32405-5329
Document Number	0040141194
Instrument Date	May 30, 2018
Transaction Type	Mortgage
Record Updated	Apr 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1030 E 23RD ST PANAMA CITY FL 324055329, PANAMA CITY, FL 32405-5329

Mortgage

Document Number	0040141194
Date	Jun 4, 2018
Book Page	004014/001194
Instrument	32764

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	383 MADISON AVE, NEW YORK, NY 10179-0001

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1030 E 23rd St was $101,465.

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	$101,465.00	$8,179,701 Land $1,119,000 Building $7,060,701	$8,179,701 Land $1,119,000 Building $7,060,701
2023	$78,760.00 (+9.99%)	$4,568,978 (-1.42%) Land $1,119,000 Building $3,449,978	$4,568,978 (-1.42%) Land $1,119,000 Building $3,449,978
2022	$71,604.00	$4,634,719 Land $1,096,620 Building $3,538,099	$4,634,719 Land $1,096,620 Building $3,538,099

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

Flood

FEMA maps place 1030 E 23rd 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 1030 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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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