309 E 23rd St, Panama City, FL 32405 Property Records

Bay County property record for 309 E 23rd St, Panama City, FL 32405

Property Summary

Property Type	Retail Store
Details	1,500 sqft · built 1989
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Mar 2024)
Tax Bill	$8,537 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12976-032-000`

Property Details

APN / Parcel Number

Primary APN	`12976-032-000`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,500 sqft Gross Area
1st Floor Area	1,100 sqft
Basement Area	256 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	309 E 23RD ST
City	PANAMA CITY
State	FL
Zip	32405-4524
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC09
Legal Description	28 3S 14W -107.27- 104B ST AND BAY DEV CO PLAT BEG 50 N & 315 E OF SW COR LOT 122 TH E 70 ALG N R/W 23RD ST N 150 W 70 S 150 TO POB ORB 4787 P 126
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	122
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1502

Owner

309 E 23rd St, a commercial property, is owned by an individual who acquired it in September 2025.

Source: Bay County records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	215 W COLLEGE AVE, 402, TALLAHASSEE, FL 32301-7752
Owner Type	Individual

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
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage THOMASVILLE NATIONAL BANK
May 7, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 28, 2024	Warranty Deed, Transfer PRIME MERIDIAN BANK
Mar 4, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Oct 29, 2020	Warranty Deed, Transfer · Line of Credit TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2024 · Amount on File
Deed Sale	Mar 28, 2024 · Amount on File
Prior Sale	Oct 29, 2020 · Amount on File
Deed Document Number	202417923
Deed Book / Page	4787 / 126
Last Transfer Date	Sep 19, 2025
Transfer Doc	0000055272
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	May 14, 2026
Property Address	309 E 23RD ST, PANAMA CITY, FL 32405-4524
Document Number	0000029186
Book / Page	5034 / 1711
Instrument Date	May 8, 2026
Instrument	202629186
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	93 AVALON WAY, THOMASVILLE, GA 31792-8683

Mortgage

Document Number	0000029186,
Date	May 14, 2026
Book Page	5034/1711
Instrument	202629186

Lender

Name	THOMASVILLE NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.37%
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	May 7, 2026
Property Address	309 E 23RD ST, PANAMA CITY, FL 32405-4524
Document Number	0050320707
Book / Page	5032 / 707
Instrument Date	May 6, 2026
Instrument	202627511
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 W COLLEGE AVE, 402, TALLAHASSEE, FL 32301-7752

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 28, 2024
Property Address	309 E 23RD ST, PANAMA CITY, FL 32405-4524
Document Number	0047870126
Book / Page	4787 / 126
Instrument Date	Mar 27, 2024
Instrument	2024017923
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 WAHOO RD, PANAMA CITY, FL 32408-7266

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 W COLLEGE AVE APT 402, 402, TALLAHASSEE, FL 32301-7752

Mortgage

Document Number	0004787128
Date	Mar 28, 2024
Instrument	4787/128

Lender

Name	PRIME MERIDIAN BANK
Type	Bank

Agreement

Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	309 E 23RD ST, PANAMA CITY, FL 32405-4524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040962157
Date	Mar 4, 2019
Book Page	4096/2157
Instrument	2019023859

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	FORT WORTH, TX 76155

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 19, 2049

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 29, 2020
Property Address	309 E 23RD ST, PANAMA CITY, FL 32405-4524
Document Number	0043162382
Book / Page	004316 / 002382
Instrument Date	Dec 31, 2019
Instrument	72367
Transaction Type	Transfer
Record Updated	Nov 11, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$21.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1316 HOMESTEAD BLVD GAUTIER MS 395534616, GAUTIER, MS 39553-4616

Mortgage

Document Number	43162384
Date	Oct 29, 2020
Book Page	004316/002384
Instrument	72369

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY, FL 32401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 309 E 23rd St was $8,537, up 71.7% 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	$8,537.00 (+71.7%)	$531,065 Land $262,449 Building $268,616	$531,065 Land $262,449 Building $268,616
2024	$4,972.00 (+19.52%)
2023	$4,160.00 (+24.25%)	$312,609 (+30.73%) Land $262,449 Building $50,160	$312,609 (+30.73%) Land $262,449 Building $50,160
2022	$3,348.00	$239,123 Land $188,963 Building $50,160	$239,123 Land $188,963 Building $50,160

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 309 E 23rd St in Zone X, an area of minimal flood risk, within 100 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 176 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	176 in force
Nearby Flood Claims	52 (1998–2025)
Claims Outside the SFHA	24 of 52
Most Recent Claim	Jul 2025 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 19 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2009 · 8 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

The area around 309 E 23rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 50 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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