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

Bay County property record for 411 E 23rd St, Panama City, FL 32405

Property Summary

Property Type	Retail Store
Details	10,450 sqft · built 2005
Lot Size	0.505 acres (21,997 sqft)
Owner	Company Name on File
Last Sale	$4,000,000 (Aug 2006)
Tax Bill	$20,034 (2025)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12976-005-000`

Property Details

APN / Parcel Number

Primary APN	`12976-005-000`

Interior

Total Rooms	8 Rooms
Units	2 Units
Building Area	10,450 sqft Gross Area
1st Floor Area	10,450 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2011
Exterior Material	Brick
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gambrel
Roof Material	Other
Lot Area	21,997 sqft (0.505 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 E 23RD ST
City	PANAMA CITY
State	FL
Zip	32405-4574
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC09
Legal Description	28 3S 14W -107.1- 104B ST A B DEV CO PLAT BEG 50 N & 417.76 W OF SE COR LOT 123 TH W 100 N 220 E 100 S 220 TO POB ORB 1278 P 319 ORB 1770 TOGETHER W/EASMENT ORB 2578 P 2283 P 1806 ORB 2819 P 1549
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST A B DEV CO PLAT
Legal Lot Number	123
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1502

Owner

411 E 23rd St, a commercial property, is owned by a company that bought it in August 2006.

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

Owner of Record	Company Name on File
Mailing Address	2615 N SHEFFIELD AVE, CHICAGO, IL 60614-1485
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	Aug 18, 2006 · Amount on File
Deed Sale	Aug 18, 2006 · Amount on File
Prior Sale	Mar 17, 2005 · Amount on File
Deed Document Number	200658151
Deed Book / Page	2819 / 1549
Prior Transfer Date	Aug 9, 2006
Prior Transfer Doc	0028191549
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	411 E 23RD ST, PANAMA CITY, FL 32405-4574
Document Number	0040791762
Instrument Date	Jan 10, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2615 N SHEFFIELD AVE CHICAGO IL 606141485, CHICAGO, IL 60614-1485

Mortgage

Document Number	0040791762
Date	Jan 16, 2019
Book Page	004079/001762
Instrument	6201

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 411 E 23rd St was $20,034, down 5.9% 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	$20,034.00 (-5.93%)	$1,268,513 Land $549,945 Building $718,568	$1,268,513 Land $549,945 Building $718,568
2024	$21,296.00 (+1.27%)
2023	$21,028.00 (+16.78%)	$1,292,291 (+12.73%) Land $549,945 Building $742,346	$1,292,291 (+12.73%) Land $549,945 Building $742,346
2022	$18,007.00	$1,146,322 Land $395,960 Building $750,362	$1,146,322 Land $395,960 Building $750,362

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 411 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 A, 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 411 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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