Bay County property record for 105 E 23rd St, Panama City, FL 32405
| Property Type | Restaurant |
|---|---|
| Details | 7,878 sqft · built 1994 |
| Lot Size | 3.62 acres (157,992 sqft) |
| Owner | Company Name on File |
| Last Sale | $3,200,000 (Sep 2021) |
| Tax Bill | $48,373 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Nov 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12978-020-000 |
| Primary APN | 12978-020-000 |
|---|
| Total Rooms | 3 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 7,878 sqft Gross Area |
| 1st Floor Area | 7,878 sqft |
| Flooring | Tile |
| Interior Walls | Paneling |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 157,992 sqft (3.62 acres) |
| Lot Dimensions | 251 ft deep x 260 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 105 E 23RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4501 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | PC09 |
| Legal Description | 28 3S 14W -109.3- 104B ST A B DEV CO PLAT THE E 260 LOT 120 & THE E 260 LOT 121 LESS S 50 LOT 121 FOR 23RD ST R/W & LESS E 15 LOTS 120 & 121 FOR ESMNT & LESS N 15 LOT 120 FOR ESMNT ORB 4454 P 2159 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 28 |
| Legal Subdivision | ST A B DEV CO PLAT |
| Legal Lot Number | 120 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1502 |
105 E 23rd St, a commercial property, is owned by a company that bought it in September 2021.
Source: Bay County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 8, 2023 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK OF MISSISSIPPI |
| Nov 8, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Jan 18, 2024 | Assignment of Lease, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 1, 2021 | Special Warranty Deed, Transfer · SBA Mortgage GOLDEN BANK NA |
| Aug 28, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on File |
| Deed Sale | Sep 1, 2021 · Amount on File |
| Prior Sale | Aug 28, 2020 · Amount on File |
| Deed Document Number | 202167252 |
| Deed Book / Page | 4454 / 2159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Document Number | 0047471929 |
|---|---|
| Date | Nov 8, 2023 |
| Book Page | 4747/1929 |
| Instrument | 2023070622 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Document Number | 0047471939 |
|---|---|
| Date | Nov 8, 2023 |
| Book Page | 4747/1939 |
| Instrument | 2023070623 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Assignment of Lease |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 18, 2024 |
| Property Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Document Number | 0047652380 |
| Book / Page | 4765 / 2380 |
| Instrument Date | Nov 7, 2023 |
| Instrument | 2024002825 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Name | Verified Name |
|---|---|
| Address | 1715 N WEST SHORE BLVD STE 780, 780, TAMPA, FL 33607-3932 |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Document Number | 0044542159 |
| Book / Page | 4454 / 2159 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 2021067252 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 116 DODGE RD, 116, SAINT SIMONS ISLAND, GA 31522-5215 |
| Name | Verified Name |
|---|---|
| Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Document Number | 44542168 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 4454/2168 |
| Name | GOLDEN BANK NA |
|---|---|
| Type | Bank |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 28, 2020 |
| Property Address | 105 E 23RD ST, PANAMA CITY, FL 32405-4501 |
| Document Number | 0042920375 |
| Book / Page | 004292 / 000375 |
| Instrument Date | Aug 21, 2020 |
| Instrument | 56764 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $108.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 116 DODGE RD ST SIMONS ISLAND GA 315225215, ST SIMONS ISLAND, GA 31522-5215 |
The 2025 property tax bill for 105 E 23rd St was $48,373, down 0.6% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $48,373.00 (-0.56%) | $3,062,830 Land $2,129,091 Building $933,739 | $3,062,830 Land $2,129,091 Building $933,739 |
| 2024 | $48,646.00 (-7.06%) | ||
| 2023 | $52,342.00 (+21.28%) | $3,297,470 (+17.69%) Land $2,129,091 Building $1,168,379 | $3,297,470 (+17.69%) Land $2,129,091 Building $1,168,379 |
| 2022 | $43,158.00 | $2,801,807 Land $1,671,711 Building $1,130,096 | $2,801,807 Land $1,671,711 Building $1,130,096 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 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 105 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 |
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