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223 E Beach Dr, Panama City, FL 32401 Property Records

Bay County property record for 223 E Beach Dr, Panama City, FL 32401

Property Summary

Property TypeCommercial Vacant Land
Details3,478 sqft · built 1940
Lot Size0.218 acres (9,496 sqft)
OwnerCompany Name on Record
Last Sale$2,800,000 (Jul 2025)
Tax Bill$2,121 (2025)
Deeds & MortgagesAug 2019 Mortgage
Flood ZoneZone AE (high risk)
APN19530-000-000

Property Details

APN / Parcel Number

Primary APN19530-000-000

Interior

Total Rooms7 Rooms
Stories1 Story
Building Area3,478 sqft Gross Area
1st Floor Area2,090 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Exterior MaterialBrick
Construction TypeWood
Fire ResistanceWood or Wood & Steel Frame
Roof TypeWood Truss
Roof MaterialBuilt-Up Asphalt
Lot Area9,496 sqft (0.218 acres)
Lot Dimensions80 ft deep x 119 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address223 E BEACH DR
CityPANAMA CITY
StateFL
Zip32401-3116
Property CategoryCommercial
Property TypeVacant Land > Commercial
Local Zoning CodePC10
Legal Description8 4S 14W -52- 31B BEG 50 NELY & 289 S 42 DEG 13 E OF NE COR BLK 15 GCD TH NW ON 1ST 119.5 NE TO BAYOU SE 119.5 SW TO BEG ORB 635 P 807 ORB 1962 P 932
Legal Range14W
Legal Township04S
Legal Section08
Legal Block15
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1052
Census Tract2000

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address6805 CARNEGIE BLVD, 120, CHARLOTTE, NC 28211-3551
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 24, 2025 · Amount on Record
Deed SaleJul 24, 2025 · Amount on Record
Prior SaleAug 16, 2019 · Amount on Record
Deed Document Number202541699
Deed Book / Page4935 / 1513
Prior Transfer DateJul 23, 2025
Prior Transfer Doc0049351513
Record UpdatedJun 8, 2026

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 16, 2019
Property Address223 E BEACH DR, PANAMA CITY, FL 32401-3116
Document Number0041570832
Book / Page004157 / 000832
Instrument DateAug 13, 2019
Instrument73815
Transaction TypeTransfer
Record UpdatedSep 10, 2019
Title CompanyMEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 260130 LAKEWOOD CO 80228, LAKEWOOD, CO 80228

Mortgage

Document Number41570835
DateAug 16, 2019
Book Page004157/000835
Instrument73816
Lender
NameBANCORPSOUTH
TypeBank
AddressJACKSON, TN 38301
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,121.00 (-1.03%)$112,880 (+0.16%) Land $109,480 Building $3,400$112,880 (+0.16%) Land $109,480 Building $3,400
2024$2,143.00 (-8.34%)
2023$2,338.00 (+6.56%)$112,700 (+2.16%) Land $109,480 Building $3,220$112,700 (+2.16%) Land $109,480 Building $3,220
2022$2,194.00$110,320 Land $107,100 Building $3,220$110,320 Land $107,100 Building $3,220

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 47 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies47 in force
Nearby Flood Claims93 (1984–2020)
Claims Outside the SFHA64 of 93
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Michael, Oct 2018 · 23 claims
  • Hurricane Dennis, Jul 2005 · 6 claims
  • Hurricane Opal, Oct 1995 · 39 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

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 261 locations within half a mile, as of December 31, 2025

ProviderMax 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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