306 E 19th St, Panama City, FL 32405 Property Records

Bay County property record for 306 E 19th St, Panama City, FL 32405

Property Summary

Property Type	Commercial Office
Details	7,912 sqft · built 1999
Lot Size	3.44 acres (149,846 sqft)
Owner	Company Name on File
Last Sale	$1,400,000 (Jan 2025)
Tax Bill	$11,913 (2025)
Deeds & Mortgages	Jan 2025 Sale & Construction Loan Oct 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`14453-020-000`

Property Details

APN / Parcel Number

Primary APN	`14453-020-000`

Interior

Total Rooms	16 Rooms
Stories	1 Story
Building Area	7,912 sqft Gross Area
1st Floor Area	7,912 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	149,846 sqft (3.44 acres)
Lot Dimensions	608 ft deep x 131 ft wide
Porch	Porch
Porch Area	206 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	306 E 19TH ST
City	PANAMA CITY
State	FL
Zip	32405-4742
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	PC09
Legal Description	33 3S 14W -47.8- MAP 104C3 COM AT NE COR OF E1/2 OF NW1/4 OF NW1/4 OF SW1/4 TH S 50 TO S R/W 19TH ST W 128.99 FOR POB TH CONT W 204.60 S 608.12 E ALG S LINE 210.53 N 608.22 TO POB;LESS PRCL A OF -47- ORB 3948 P 855
Legal Range	14W
Legal Township	03S
Legal Section	33
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1008
Census Tract	1600

Owner

306 E 19th St, a commercial property, is owned by a company that bought it in January 2025.

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

Owner of Record	Company Name on File
Mailing Address	3442 HIGH CLIFF RD, PANAMA CITY, FL 32409-4424
Owner Type	Company
Vesting	Limited 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

Date	Document
Jan 16, 2025	Warranty Deed, Construction Loan · Construction Mortgage PANHANDLE CU
Oct 23, 2017	Warranty Deed, Transfer · VA Mortgage WHITNEY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2025 · Amount on File
Deed Sale	Jan 16, 2025 · Amount on File
Prior Sale	Oct 23, 2017 · Amount on File
Deed Document Number	20252427
Deed Book / Page	4876 / 879
Prior Transfer Date	Jan 28, 2008
Prior Transfer Doc	0030180166
Record Updated	Jun 8, 2026

January 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 16, 2025
Property Address	306 E 19TH ST STE A, A, PANAMA CITY, FL 32405-4743
Document Number	0048760879
Book / Page	4876 / 879
Instrument Date	Jan 14, 2025
Instrument	2025002427
Transaction Type	Construction Loan
Record Updated	Jan 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4634 GULFSTARR DR, DESTIN, FL 32541-3715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3442 HIGH CLIFF RD, PANAMA CITY, FL 32409-4424

Mortgage

Document Number	0004876882
Date	Jan 16, 2025
Instrument	4876/882

Lender

Name	PANHANDLE CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount on Record

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 23, 2017
Property Address	306 E 19TH ST, PANAMA CITY, FL 32405-4718
Document Number	0039480856
Book / Page	003948 / 000856
Instrument Date	Oct 20, 2017
Instrument	61237
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$6,090.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4634 GULFSTARR DR DESTIN FL 325413715, DESTIN, FL 32541-3715

Mortgage

Document Number	39480858
Date	Oct 23, 2017
Book Page	003948/000858
Instrument	61239

Lender

Name	WHITNEY BK
Type	Bank
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 306 E 19th St was $11,913, down 7.5% 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	$11,913.00 (-7.45%)	$754,342 Land $340,560 Building $413,782	$754,342 Land $340,560 Building $413,782
2024	$12,872.00 (-3%)
2023	$13,270.00 (+4.89%)	$775,328 (-0.67%) Land $340,560 Building $434,768	$775,328 (-0.67%) Land $340,560 Building $434,768
2022	$12,651.00	$780,574 Land $340,560 Building $440,014	$780,574 Land $340,560 Building $440,014

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

Flood

FEMA maps place 306 E 19th St 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	31.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	2 of 6
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 306 E 19th St is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.1% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon, WOW Internet, Cable & Phone.

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