Bay County property record for 409 E 23rd St, Panama City, FL 32405
| Property Type | Warehouse, Storage |
|---|---|
| Details | 3 bd · 1 ba · 154,950 sqft · built 1998 |
| Lot Size | 11.9 acres (521,413 sqft) |
| Owner | Company Name on File |
| Tax Bill | $59,099 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 12976-000-000 |
| Primary APN | 12976-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 154,950 sqft Total Area |
| 1st Floor Area | 101,500 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Fire Resistance | Fireproof Reinforced Concrete |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Metal |
| Lot Area | 521,413 sqft (11.9 acres) |
| Patio Area | 32,323 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Other |
|---|---|
| Heating System | Forced Air |
| Street Address | 409 E 23RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-4574 |
| Property Category | Industrial |
| Property Type | Industrial > Warehouse, Storage |
| Local Zoning Code | PC09 |
| Legal Description | 28 3S 14W -107- 104B ST AND BAY DEV CO PLAT COM AT SW COR OF SEC N 660.11' |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 28 |
| Legal Subdivision | ST AND BAY DEV CO |
| Legal Lot Number | 118 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1502 |
409 E 23rd St, an industrial property, is owned by a company that acquired it in May 1998.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 105842, ATLANTA, GA 30348-5842 |
| 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 |
|---|---|
| Last Sale | May 8, 1998 |
| Deed Sale | May 8, 1998 |
| Deed Document Number | 0017901418 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 409 E 23rd St was $59,099.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $59,099.00 | $3,741,929 Land $2,462,184 Building $1,279,745 | $3,741,929 Land $2,462,184 Building $1,279,745 |
| 2023 | $65,717.00 (+5.48%) | $3,948,473 (-1.35%) Land $2,462,184 Building $1,486,289 | $3,948,473 (-1.35%) Land $2,462,184 Building $1,486,289 |
| 2022 | $62,302.00 | $4,002,473 Land $2,412,978 Building $1,589,495 | $4,002,473 Land $2,412,978 Building $1,589,495 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 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 |
|
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 409 E 23rd St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 213 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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