Bay County property record for 320 E 19th St, Panama City, FL 32405
| Property Type | Commercial Office |
|---|---|
| Details | 4,004 sqft · built 2000 |
| Lot Size | 1.29 acres (56,323 sqft) |
| Owner | Company Name on File |
| Tax Bill | $9,412 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 14453-013-000 |
| Primary APN | 14453-013-000 |
|---|
| Total Rooms | 12 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 4,004 sqft Gross Area |
| 1st Floor Area | 4,004 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 56,323 sqft (1.29 acres) |
| Lot Dimensions | 59 ft deep x 91 ft wide |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 E 19TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4718 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | PC09 |
| Legal Description | 33 3S 14W -47.5- PRCL B2- COM AT THE NE COR OF THE E 1/2 OF THE NW 1/4 OF THE NW 1/4 OF THE SW 1/4 TH S 274. 70 FOR POB TH CONT S 383.63 W 123.51 N 382.85 E 126.97 **** AND **** PRCL A2 COM AT THE NE COR OF E1/2 OF NW1/4 OF NW1/4 OF SW1/4 TH S 50 TO |
| 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 |
320 E 19th St, a commercial property, is owned by a company.
Source: Bay County records, as of May 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 607, CHIPLEY, FL 32428-0607 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 320 E 19TH ST, PANAMA CITY, FL 32405-4718 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040591735 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 4059/1735 |
| Instrument | 2018064433 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 320 E 19th St was $9,412, down 8.5% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,412.00 (-8.52%) | $595,948 Land $27,430 Building $568,518 | $595,948 Land $27,430 Building $568,518 |
| 2024 | $10,289.00 (-8.79%) | ||
| 2023 | $11,280.00 (+5.58%) | $633,063 (-0.16%) Land $27,430 Building $605,633 | $633,063 (-0.16%) Land $27,430 Building $605,633 |
| 2022 | $10,684.00 | $634,058 Land $22,061 Building $611,997 | $634,058 Land $22,061 Building $611,997 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 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 |
|
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 risk around 320 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures