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324 E 11th St, Panama City, FL 32401 Property Records

Bay County property record for 324 E 11th St, Panama City, FL 32401

Property Summary

Property TypeCommercial Office
Details4,852 sqft · built 1965
Lot Size0.614 acres (26,745 sqft)
OwnerCompany Name on File
Last Sale$290,000 (Oct 2018)
Tax Bill$489 (2024)
Deeds & MortgagesOct 2018 Sale
Oct 2018 Transfer
Flood ZoneZone X (minimal risk)
APN17772-000-000

Property Details

APN / Parcel Number

Primary APN17772-000-000

Interior

Total Rooms8 Rooms
Stories1 Story
Building Area4,852 sqft Gross Area
1st Floor Area4,852 sqft
FlooringVinyl/Resilient
Interior WallsPlywood

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 2020
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Fire ResistanceMasonry Walls, Wood Interior
Roof TypePrestressed Concrete
Roof MaterialMetal
Lot Area26,745 sqft (0.614 acres)
Lot Dimensions209 ft deep x 128 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address324 E 11TH ST
CityPANAMA CITY
StateFL
Zip32401-2972
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Local Zoning CodePC09
Legal DescriptionSEGLER HTS LOTS 14, 15, 16 & 17 ORB 4056 P 596 MAP 92A3
Legal Range14W
Legal Township04S
Legal Section04
Legal SubdivisionSEGLER HTS
Legal Lot Number14
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2023
Census Tract1600

Owner

324 E 11th St, a commercial property, is owned by a company that bought it in October 2018.

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

Owner of RecordCompany Name on File
Mailing Address403 E 11TH ST, PANAMA CITY, FL 32401-3409
Owner TypeCompany
VestingCompany

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

DateDocument
Oct 29, 2018Warranty Deed, Transfer
FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR
Oct 29, 2018Correction Deed
FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 29, 2018 · Amount on File
Deed SaleOct 29, 2018 · Amount on File
Deed Document Number201861170
Deed Book / Page4056 / 596
Prior Transfer DateOct 24, 2018
Prior Transfer Doc0040560594
Record UpdatedJun 8, 2026

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 29, 2018
Property Address324 E 11TH ST, PANAMA CITY, FL 32401-2972
Document Number0040560596
Book / Page004056 / 000596
Instrument DateOct 24, 2018
Instrument61170
Transaction TypeTransfer
Record UpdatedJul 29, 2020
Title CompanyFLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

AmountAmount on Record
Tax$2,030.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address403 E 11TH ST PANAMA CITY BEACH FL 324013409, PANAMA CITY BEACH, FL 32401-3409
InvestorPossibly a Property Investor

October 2018: Correction Deed

Document TypeCorrection Deed
JurisdictionBAY FL
Recording DateOct 29, 2018
Property Address324 E 11TH ST, PANAMA CITY, FL 32401-2972
Document Number0040560594
Book / Page004056 / 000594
Instrument DateOct 24, 2018
Instrument61169
Record UpdatedJul 29, 2020
Title CompanyFLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1170 BLUFF VALLEY RD CRAGFORD AL 362556627, CRAGFORD, AL 36255-6627

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$624,759 Land $133,760 Building $490,999$624,759 Land $133,760 Building $490,999
2024$489.00 (-51.92%)
2023$1,017.00 (+366.51%) Additional exemption filed$634,983 (+3.53%) Land $133,760 Building $501,223$634,983 (+3.53%) Land $133,760 Building $501,223
2022$218.00 Additional exemption filed$613,346 Land $107,008 Building $506,338$613,346 Land $107,008 Building $506,338

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

Flood

FEMA maps place 324 E 11th St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims9 (2008–2023)
Claims Outside the SFHA6 of 9
Most Recent ClaimDec 2023 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 2 claims
  • Hurricane Michael, Oct 2018 · 4 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 324 E 11th St 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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 336 locations within half a mile, as of December 31, 2025

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

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