Bay County property record for 220 McKenzie Ave, Panama City, FL 32401
| Property Type | Commercial Office |
|---|---|
| Details | 15,009 sqft · built 1986 |
| Lot Size | 1.09 acres (47,872 sqft) |
| Owner | Company Name on File |
| Tax Bill | $17,516 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20156-000-000 |
| Primary APN | 20156-000-000 |
|---|
| Total Rooms | 39 Rooms |
|---|---|
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 15,009 sqft Gross Area |
| 1st Floor Area | 9,696 sqft |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 47,872 sqft (1.09 acres) |
| Lot Dimensions | 165 ft deep x 239 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 100 sqft |
| Patio Area | 580 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 220 MCKENZIE AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3129 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | PC10 |
| Legal Description | 9 4S 14W -3- 70A BEG 200 E, 10 S, 100 E, 60 S, 25 E OF NW COR OF NW1/4 OF SW1/4 OF SEC FOR POB TH S 118.75 SE 150 SE 105 TO WATERS EDGE TH ELY & NLY ALG WATERS EDGE 460 M/L TH W 215 M/L TO POB. ORB 1059 P 1296 ORB 1336 P 1588 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | WATERS EDGE |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 2000 |
220 McKenzie Ave, a commercial property, is owned by a company.
Source: Bay County records, as of May 27, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 2467, PANAMA CITY, FL 32402-2467 |
| Owner Type | Company |
| Vesting | 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 |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 220 McKenzie Ave was $17,516, down 9.3% 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 | $17,516.00 (-9.35%) | $932,046 Land $550,850 Building $381,196 | $932,046 Land $550,850 Building $381,196 |
| 2024 | $19,322.00 (+2.04%) | ||
| 2023 | $18,935.00 (+2.17%) | $951,592 (-2.76%) Land $550,850 Building $400,742 | $951,592 (-2.76%) Land $550,850 Building $400,742 |
| 2022 | $18,533.00 | $978,650 Land $538,875 Building $439,775 | $978,650 Land $538,875 Building $439,775 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 McKenzie Ave 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 47 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 93 (1984–2020) |
| Claims Outside the SFHA | 64 of 93 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 220 McKenzie Ave 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.
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 261 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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