Bay County property record for 221 E 23rd St, Panama City, FL 32405
| Property Type | Commercial Office |
|---|---|
| Details | 7,820 sqft · built 1980 |
| Lot Size | 0.642 acres (27,965 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,350,000 (Oct 2023) |
| Tax Bill | $16,700 (2025) |
| Deeds & Mortgages | Oct 2023 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 12976-013-000 |
| Primary APN | 12976-013-000 |
|---|
| Total Rooms | 20 Rooms |
|---|---|
| Units | 7 Units |
| Stories | 1 Story |
| Building Area | 7,820 sqft Gross Area |
| 1st Floor Area | 7,820 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 27,965 sqft (0.642 acres) |
| Lot Dimensions | 280 ft deep x 100 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 221 E 23RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-7612 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | PC09 |
| Legal Description | 28 3S 14W -107.12- 104B ST AND BAY DEV CO PLAT BEG 50 N & 115 E OF SW COR LOT 122 TH N 280 E 100 S 280 W 100 TO POB ORB 4736 P 1127 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 28 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Legal Lot Number | 122 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1502 |
221 E 23rd St, a commercial property, is owned by a company that bought it in October 2023.
Source: Bay County records, as of August 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 129 LEGEND LAKES DR, PANAMA CITY, FL 32408-7248 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 | Oct 2, 2023 · Amount on File |
| Deed Sale | Oct 2, 2023 · Amount on File |
| Deed Document Number | 202362459 |
| Deed Book / Page | 4736 / 1127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 2, 2023 |
| Property Address | 221 E 23RD ST, PANAMA CITY, FL 32405-7612 |
| Document Number | 0047361127 |
| Book / Page | 4736 / 1127 |
| Instrument Date | Oct 2, 2023 |
| Instrument | 2023062459 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $9,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 494, CARLISLE, PA 17013-0494 |
| Name | Verified Name |
|---|---|
| Address | 129 LEGEND LAKES DR, PANAMA CITY, FL 32408-7248 |
The 2025 property tax bill for 221 E 23rd St was $16,700, down 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 | $16,700.00 (-5.97%) | $1,057,377 Land $699,138 Building $358,239 | $1,057,377 Land $699,138 Building $358,239 |
| 2024 | $17,760.00 (+46.23%) | ||
| 2023 | $12,145.00 (+22.73%) | $859,351 (+28.03%) Land $699,138 Building $160,213 | $859,351 (+28.03%) Land $699,138 Building $160,213 |
| 2022 | $9,896.00 | $671,209 Land $503,379 Building $167,830 | $671,209 Land $503,379 Building $167,830 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 221 E 23rd 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 | 33.3 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
The area around 221 E 23rd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| 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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