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23 E 8th St, Panama City, FL 32401 Property Records

Bay County property record for 23 E 8th St, Panama City, FL 32401

Property Summary

Property TypeCommercial Office
Details2,012 sqft · built 1940
Lot Size0.212 acres (9,234 sqft)
OwnerCompany Name on File
Last Sale$390,000 (Sep 2023)
Tax Bill$4,705 (2025)
Deeds & MortgagesSep 2023 Sale
Feb 2020 Transfer
Flood ZoneZone X (minimal risk)
APN19929-000-000

Property Details

APN / Parcel Number

Primary APN19929-000-000

Interior

Total Rooms8 Rooms
Stories1 Story
Building Area2,012 sqft Gross Area
1st Floor Area1,762 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 2016
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Fire ResistanceWood or Wood & Steel Frame
Roof TypeGable/Hip
Roof MaterialOther
Lot Area9,234 sqft (0.212 acres)
Lot Dimensions120 ft deep x 77 ft wide
PorchFlorida Room
Porch Area250 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address23 E 8TH ST
CityPANAMA CITY
StateFL
Zip32401-2901
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Local Zoning CodePC09
Legal DescriptionGCD PLAT LOTS 13,14,15 LESS E 103 MAP 92A4 BLK 39 ORB 4728 P 960
Legal Range14W
Legal Township04S
Legal Section08
Legal SubdivisionGCD PLAT
Legal Block39
Legal Lot Number13
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1013
Census Tract2000

Owner

23 E 8th St, a commercial property, is owned by a company that bought it in September 2023.

Source: Bay County records, as of March 26, 2026

Owner of RecordCompany Name on File
Mailing Address336 WATSON BAYOU CIR, PANAMA CITY, FL 32401-3795
Owner TypeCompany
VestingLimited 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.

Deeds, Mortgages & Sale History

DateDocument
Sep 7, 2023Warranty Deed, Transfer
MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Feb 12, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 7, 2023 · Amount on File
Deed SaleSep 7, 2023 · Amount on File
Prior SaleMay 28, 2004 · Amount on File
Deed Document Number202357046
Deed Book / Page4728 / 960
Prior Transfer DateFeb 7, 2020
Prior Transfer Doc0042210985
Record UpdatedOct 29, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 7, 2023
Property Address23 E 8TH ST, PANAMA CITY, FL 32401-2901
Document Number0047280960
Book / Page4728 / 960
Instrument DateSep 7, 2023
Instrument2023057046
Transaction TypeTransfer
Record UpdatedSep 22, 2023
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount on Record
Tax$2,730.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address324 E BEACH DR APT 800, 800, PANAMA CITY, FL 32401-5810

Transferred To (Grantee/Buyer)

NameVerified Name
Address336 WATSON BAYOU CIR, PANAMA CITY, FL 32401-3795

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateFeb 12, 2020
Property Address23 E 8TH ST, PANAMA CITY, FL 32401-2901
Document Number0042210985
Book / Page004221 / 000985
Instrument DateFeb 7, 2020
Instrument11206
Transaction TypeTransfer
Record UpdatedMar 2, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address324 E BEACH DR PANAMA CITY FL 324015808, PANAMA CITY, FL 32401-5808

Tax Assessment & Valuation

The 2025 property tax bill for 23 E 8th St was $4,705, down 4.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,705.00 (-4.6%)$297,933 Land $92,400 Building $205,533$297,933 Land $92,400 Building $205,533
2024$4,932.00 (+153.18%)
2023$1,948.00 (+15.4%)$132,688 (+16.18%) Land $92,400 Building $40,288$132,688 (+16.18%) Land $92,400 Building $40,288
2022$1,688.00$114,208 Land $73,920 Building $40,288$114,208 Land $73,920 Building $40,288

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

Flood

FEMA maps place 23 E 8th St in Zone X, an area of minimal flood risk, though there have been 93 flood claims nearby since 1984.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 23 E 8th St 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 RiskLow
lower than 99.1% of the US · lower than 98.7% 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 336 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
T-Mobile
Fixed Wireless		100 / 20

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