2920 Navy Blvd, Panama City, FL 32408 Property Records

Bay County property record for 2920 Navy Blvd, Panama City, FL 32408

Property Summary

Property Type	Restaurant
Details	2,208 sqft · built 1993
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (May 2022)
Tax Bill	$1,533 (2025)
Deeds & Mortgages	Sep 2026 Sale
Flood Zone	Zone AE (high risk)
APN	`31171-010-000`

Property Details

APN / Parcel Number

Primary APN	`31171-010-000`

Interior

Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,208 sqft Gross Area
1st Floor Area	2,208 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Prefab Panel
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	110 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2920 NAVY BLVD
City	PANAMA CITY
State	FL
Zip	32408-6250
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	BC05
Legal Description	PORT LAGOON LOT 19 BLK 5 ORB 4562 P 1097
Legal Range	15W
Legal Township	04S
Legal Section	09
Legal Subdivision	PORT LAGOON
Legal Block	5
Legal Lot Number	19
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY BEACHES
Census Block Group	4
Census Block	4018
Census Tract	2604

Owner

2920 Navy Blvd, a commercial property, is owned by two individuals who acquired it in September 2026.

Source: Bay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6307 CAUSEWAY RD, PANAMA CITY, FL 32408-3948
Owner Type	Individual
Vesting	Life Estate

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	2 Names on Deed
Last Sale	May 11, 2022 · Amount on File
Deed Sale	May 11, 2022 · Amount on File
Deed Document Number	202235619
Deed Book / Page	4562 / 1097
Last Transfer Date	Sep 28, 2026
Transfer Doc	0000060314
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 29, 2026
Property Address	2920 NAVY BLVD, PANAMA CITY, FL 32408-6250
Document Number	0000060314
Book / Page	5083 / 1796
Instrument Date	Sep 28, 2026
Instrument	202660314
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate

Tax Assessment & Valuation

The 2025 property tax bill for 2920 Navy Blvd was $1,533, up 0.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,533.00 (+0.07%)	$108,430 Land $62,291 Building $46,139	$108,430 Land $62,291 Building $46,139
2024	$1,532.00 (-0.2%)
2023	$1,535.00 (+14.3%)	$115,019 (+7.28%) Land $62,290 Building $52,729	$115,019 (+7.28%) Land $62,290 Building $52,729
2022	$1,343.00	$107,218 Land $51,389 Building $55,829	$107,218 Land $51,389 Building $55,829

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 2920 Navy Blvd 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 134 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	243 units insured incl. 109 condo units
Nearby Flood Claims	8 (1995–2018)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims Hurricane Opal, Oct 1995 · 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 2920 Navy Blvd 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 Risk	Low lower than 99.1% of the US · lower than 98.7% 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	CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Apr 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 343 locations within half a mile, as of December 31, 2025

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