2338 State Ave, Panama City, FL 32405 Property Records

Bay County property record for 2338 State Ave, Panama City, FL 32405

Property Summary

Property Type	Commercial Office
Details	2,504 sqft · built 1971
Lot Size	0.413 acres (17,990 sqft)
Owner	Company Name on File
Last Sale	$430,000 (Dec 2021)
Tax Bill	$6,134 (2025)
Deeds & Mortgages	Dec 2021 Sale & Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`13011-011-000`

Property Details

APN / Parcel Number

Primary APN	`13011-011-000`

Interior

Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,504 sqft Gross Area
1st Floor Area	2,504 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,990 sqft (0.413 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Porch	Finished/Open Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2338 STATE AVE
City	PANAMA CITY
State	FL
Zip	32405-4361
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC06
Legal Description	29 3S 14W -13.13- MAP 91A ST A B DEV CO PLAT BEG 609.95 W & 180 N OF SE COR LOT 116 TH N 150 E 120 S 150 W 120 TO POB ORB 4503 P 590
Legal Range	14W
Legal Township	03S
Legal Section	29
Legal Subdivision	ST A B DEV CO PLAT
Legal Lot Number	116
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4019
Census Tract	1502

Owner

2338 State Ave, a commercial property, is owned by a company that bought it in December 2021.

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

Owner of Record	Company Name on File
Mailing Address	5714 MAUDE RD, PANAMA CITY, FL 32404-5041
Owner Type	Company
Vesting	Limited Liability Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2021 · Amount on File
Deed Sale	Dec 27, 2021 · Amount on File
Prior Sale	Jun 15, 2004 · Amount on File
Deed Document Number	202197380
Deed Book / Page	4503 / 590
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 27, 2021
Property Address	2338 STATE AVE, PANAMA CITY, FL 32405-4361
Document Number	0045030590
Book / Page	4503 / 590
Instrument Date	Dec 23, 2021
Instrument	2021097380
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 S COVE TERRACE DR, PANAMA CITY, FL 32401-4038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5714 MAUDE RD, PANAMA CITY, FL 32404-5041

Mortgage

Document Number	0004503592
Date	Dec 27, 2021
Instrument	4503/592

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2338 State Ave was $6,134, up 6.7% from the year before.

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	$6,134.00 (+6.7%)	$382,871	$399,356 Land $144,000 Building $255,356
2024	$5,749.00 (-7.48%)
2023	$6,214.00 (+14.38%)	$350,673 (+4.59%) Land $90,000 Building $260,673	$350,673 (+4.59%) Land $90,000 Building $260,673
2022	$5,433.00	$335,282 Land $72,000 Building $263,282	$335,282 Land $72,000 Building $263,282

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2338 State Ave in Zone X, an area of moderate flood risk, within 500 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 119 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	119 in force
Nearby Flood Claims	77 (1988–2022)
Claims Outside the SFHA	29 of 77
Most Recent Claim	Sep 2022 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 46 claims Severe Storms And Flooding, Jul 2013 · 4 claims Hurricane Georges, Sep 1998 · 2 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 2338 State Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20