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

Bay County property record for 231 E Beach Dr, Panama City, FL 32401

Property Summary

Property Type	Commercial Office
Details	2,383 sqft · built 1935
Lot Size	0.165 acres (7,187 sqft)
Owner	Company Name on Record
Last Sale	$2,800,000 (Jul 2025)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Aug 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`19532-000-000`

Property Details

APN / Parcel Number

Primary APN	`19532-000-000`

Interior

Total Rooms	4 Rooms
Units	3 Units
Stories	1 Story
Building Area	2,383 sqft Gross Area
1st Floor Area	2,383 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	100 ft deep x 72 ft wide
Porch	Unfinished Open Porch
Porch Area	880 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	231 E BEACH DR
City	PANAMA CITY
State	FL
Zip	32401-3116
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC10
Legal Description	8 4S 14W -54- 31B A PCL FTG 71 6/13 ON 1ST ST & EXT NLY TO BAYOU AS PER 1946 TAX ROLL P 368 LINES 1 TO 12 INC ORB 335 P 699 ORB 522 P 417 ORB 4157 P 832
Legal Range	14W
Legal Township	04S
Legal Section	08
Legal Subdivision	PANAMA CITY
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1053
Census Tract	2000

Owner

Source: Bay County records, as of August 27, 2026

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

Owner of Record	Company Name on Record
Mailing Address	6805 CARNEGIE BLVD, 120, CHARLOTTE, NC 28211-3551
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2025 · Amount on Record
Deed Sale	Jul 24, 2025 · Amount on Record
Prior Sale	Aug 16, 2019 · Amount on Record
Deed Document Number	202541699
Deed Book / Page	4935 / 1513
Prior Transfer Date	Jul 23, 2025
Prior Transfer Doc	0049351513
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 16, 2019
Property Address	231 E BEACH DR, PANAMA CITY, FL 32401-3116
Document Number	0041570832
Book / Page	004157 / 000832
Instrument Date	Aug 13, 2019
Instrument	73815
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 260130 LAKEWOOD CO 80228, LAKEWOOD, CO 80228

Tax Assessment & Valuation

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	$2,328.00 (-15.53%)	$123,893 (%) Land $82,800 Building $41,093	$123,893 (%) Land $82,800 Building $41,093
2024	$2,756.00 (+5.55%)
2023	$2,611.00 (+10.36%)	$123,895 (+1.47%) Land $82,800 Building $41,095	$123,895 (+1.47%) Land $82,800 Building $41,095
2022	$2,366.00	$122,095 Land $81,000 Building $41,095	$122,095 Land $81,000 Building $41,095

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	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 Risk	Low lower than 99.8% of the US · lower than 99.7% 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.

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 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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