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

Bay County property record for 427 E 23rd St, Panama City, FL 32405

Property Summary

Property Type	Retail Store
Details	15,960 sqft · built 1999
Lot Size	2.62 acres (114,257 sqft)
Owner	Company Name on File
Last Sale	$2,758,344 (Mar 2023)
Tax Bill	$20,091 (2025)
Deeds & Mortgages	Mar 2023 Sale Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12976-002-000`

Property Details

APN / Parcel Number

Primary APN	`12976-002-000`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	15,960 sqft Gross Area
1st Floor Area	15,820 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Sawtooth
Roof Material	Other
Lot Area	114,257 sqft (2.62 acres)
Lot Dimensions	690 ft deep x 173 ft wide
Porch	Florida Room
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	427 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 -107.2- ST AND BAY DEV CO PLAT COM AT SW COR OF SEC N 660.11 E 50 E 602.79 N 257.69 TO GPCO R/W E 1113.14 NELY 57.74 FOR POB E 177.69 S 327.62 E 20 TO NE COR LOT 118 S 332.54 S 59.14 W 173.14 N 678.47 TO POB ORB 4673 P 460
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	118
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1502

Owner

427 E 23rd St, a commercial property, is owned by a company that bought it in March 2023.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	11995 EL CAMINO REAL, SAN DIEGO, CA 92130-2539
Owner Type	Company
Vesting	Limited Liability 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

Date	Document
Mar 30, 2023	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE COMPANY-SD, FIDELITY NATL TTL CO NCS DIV
Aug 5, 2021	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Dec 19, 2017	Grant Deed, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2023 · Amount on File
Deed Sale	Mar 30, 2023 · Amount on File
Prior Sale	Apr 27, 2015 · Amount on File
Deed Document Number	202319394
Deed Book / Page	4673 / 460
Prior Transfer Date	May 26, 2004
Prior Transfer Doc	0000041651
Record Updated	Oct 29, 2026

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 30, 2023
Property Address	427 E 23RD ST, PANAMA CITY, FL 32405-4574
Document Number	0046730460
Book / Page	4673 / 460
Map Reference	MB 6 PG 18
Instrument Date	Mar 14, 2023
Instrument	2023019394
Transaction Type	Transfer
Record Updated	Apr 21, 2023
Title Company	FIDELITY NATIONAL TITLE COMPANY-SD, FIDELITY NATL TTL CO NCS DIV

Transaction

Amount	Amount on Record
Tax	$19,308.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2398 E CAMELBACK RD # RD4TH, RD4TH, PHOENIX, AZ 85016-9001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11995 EL CAMINO REAL, SAN DIEGO, CA 92130-2539
Investor	Possibly a Property Investor

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	427 E 23RD ST, PANAMA CITY, FL 32405-4574
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2398 E CAMELBACK RD 4TH 4TH, 44, PHOENIX, AZ 85016-9001

Mortgage

Document Number	0044440283
Date	Aug 5, 2021
Book Page	4444/283
Instrument	2021060423

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	NEW YORK, NY 10179

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Dec 19, 2017
Property Address	427 E 23RD ST, PANAMA CITY, FL 32405-4574
Document Number	0039641030
Book / Page	003964 / 001030
Instrument Date	Dec 14, 2017
Instrument	72672
Transaction Type	Mortgage
Record Updated	Jan 18, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	620 E SOUTHLAKE BLVD GRAPEVINE TX 760926236, GRAPEVINE, TX 76092-6236

Mortgage

Document Number	39641030
Date	Dec 19, 2017
Book Page	003964/001030
Instrument	72672

Lender

Name	KEYBANK USA
Type	Bank
Address	1200 ABERNATHY RD # 1550, ATLANTA, GA 30328-5601

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 427 E 23rd St was $20,091, down 9.3% 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	$20,091.00 (-9.3%)	$1,272,110 Land $1,049,200 Building $222,910	$1,272,110 Land $1,049,200 Building $222,910
2024	$22,151.00 (+2.55%)
2023	$21,600.00 (+11.72%)	$1,314,341 (+0.69%) Land $1,049,200 Building $265,141	$1,314,341 (+0.69%) Land $1,049,200 Building $265,141
2022	$19,334.00	$1,305,310 Land $1,028,216 Building $277,094	$1,305,310 Land $1,028,216 Building $277,094

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 427 E 23rd St in Zone X, an area of minimal flood risk, within 100 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 100 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 427 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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