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

Bay County property record for 401 E 23rd St, Panama City, FL 32405

Property Summary

Property Type	Regional Shopping Center, Mall
Details	17,577 sqft · built 2005
Lot Size	3.41 acres (148,757 sqft)
Owner	Company Name on File
Last Sale	$2,058,000 (Mar 2018)
Tax Bill	$33,780 (2025)
Deeds & Mortgages	Mar 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`12976-070-000`

Property Details

APN / Parcel Number

Primary APN	`12976-070-000`

Interior

Total Rooms	25 Rooms
Building Area	17,577 sqft Gross Area
1st Floor Area	17,577 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Gambrel
Roof Material	Other
Lot Area	148,757 sqft (3.41 acres)
Lot Dimensions	547 ft deep x 272 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 E 23RD ST
City	PANAMA CITY
State	FL
Zip	32405-4571
Property Category	Commercial
Property Type	Commercial > Retail > Regional Shopping Center, Mall
Local Zoning Code	PC09
Legal Description	28 3S 14W -107.48- 104B ST AND BAY DEV CO PLAT COM AT SW COR OF SEC N 660.11 E 50 TO E R/W HARRISON AV CONT E 602.79 FOR POB N 216.41 E 281 S 316.72 W 3.67 S 230.10 TO S LINE LOT 119 W 272.42 N 329.69 W 11.51 TO POB ORB 3989 P 784
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	119
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1502

Owner

401 E 23rd St, a commercial property, is owned by a company that bought it in March 2018.

Source: Bay County records, as of August 17, 2026

Owner of Record	Company Name on File
Mailing Address	3525 DEL MAR HEIGHTS RD, 291, SAN DIEGO, CA 92130-2199
Owner Type	Company
Vesting	Company

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	Name on Deed
Last Sale	Mar 16, 2018 · Amount on File
Deed Sale	Mar 16, 2018 · Amount on File
Prior Sale	May 4, 2007 · Amount on File
Deed Document Number	201815467
Deed Book / Page	3989 / 784
Record Updated	Sep 20, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 16, 2018
Property Address	401 A-J 23RD ST E, PANAMA CITY, FL 32405
Document Number	0039890784
Book / Page	003989 / 000784
Instrument Date	Mar 15, 2018
Instrument	15467
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$14,406.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3525 DEL MAR HEIGHTS RD #291 SAN DIEGO CA 921302199, 291, SAN DIEGO, CA 92130-2199

Tax Assessment & Valuation

The 2025 property tax bill for 401 E 23rd St was $33,780, down 5.8% 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	$33,780.00 (-5.84%)	$2,138,824 Land $1,195,250 Building $943,574	$2,138,824 Land $1,195,250 Building $943,574
2024	$35,876.00 (-2.34%)
2023	$36,735.00 (+7.16%)	$2,188,543 (-0.04%) Land $1,195,250 Building $993,293	$2,188,543 (-0.04%) Land $1,195,250 Building $993,293
2022	$34,279.00	$2,189,479 Land $1,171,345 Building $1,018,134	$2,189,479 Land $1,171,345 Building $1,018,134

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

Flood

FEMA maps place 401 E 23rd St in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 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 401 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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