204 E 19th St, Panama City, FL 32405 Property Records

Bay County property record for 204 E 19th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Office
Details	18,909 sqft · built 1998
Lot Size	4.69 acres (204,339 sqft)
Owner	Company Name on File
Tax Bill	$26,864 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`14454-000-000`

Property Details

APN / Parcel Number

Primary APN	`14454-000-000`

Interior

Total Rooms	25 Rooms
Stories	1 Story
Building Area	18,909 sqft Gross Area
1st Floor Area	18,909 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	204,339 sqft (4.69 acres)
Garage Type	Carport
Garage Area	1,200 sqft
Carport	Carport
Carport Area	1,200 sqft
Porch	Slab
Porch Area	91 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	204 E 19TH ST
City	PANAMA CITY
State	FL
Zip	32405-4707
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC09
Legal Description	33 3S 14W -48- MAP 104C3 W1/2 OF NW1/4 OF NW1/4 OF SW1/4 ORB 1786 P 40
Legal Range	14W
Legal Township	03S
Legal Section	33
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1008
Census Tract	1600

Owner

204 E 19th St, a commercial property, is owned by a company.

Source: Bay County records, as of May 6, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 607, CHIPLEY, FL 32428-0607
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
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage SERVISFIRST BANK
Sep 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Jun 15, 2026
Property Address	204 E 19TH ST, PANAMA CITY, FL 32405-4707
Document Number	0000035862
Book / Page	5045 / 443
Instrument Date	Jun 12, 2026
Instrument	202635862
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	204 E 19TH ST, PANAMA CITY, FL 32405-4707

Mortgage

Document Number	0000035862,
Date	Jun 15, 2026
Book Page	5045/443
Instrument	202635862

Lender

Name	SERVISFIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	204 E 19TH ST, PANAMA CITY, FL 32405-4707
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E 19TH ST, PANAMA CITY, FL 32405-4707

Mortgage

Document Number	0044642116
Date	Sep 27, 2021
Book Page	4464/2116
Instrument	2021073365

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 204 E 19th St was $26,864, down 9.9% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$26,864.00 (-9.88%)	$1,700,945 Land $464,409 Building $1,236,536	$1,700,945 Land $464,409 Building $1,236,536
2024	$29,810.00 (-5.93%)
2023	$31,689.00 (+2.47%)	$1,830,214 (-3.42%) Land $464,409 Building $1,365,805	$1,830,214 (-3.42%) Land $464,409 Building $1,365,805
2022	$30,925.00	$1,894,978 Land $464,409 Building $1,430,569	$1,894,978 Land $464,409 Building $1,430,569

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

Flood

FEMA maps place 204 E 19th 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	31.0 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 204 E 19th St is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.1% 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 50 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon, WOW Internet, Cable & Phone.

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