Bay County property record for 509 E 23rd St, Panama City, FL 32405
| Property Type | Retail Store |
|---|---|
| Details | 11,928 sqft · built 1984 |
| Lot Size | 0.757 acres (32,974 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,100,000 (Jul 2016) |
| Tax Bill | $21,427 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 12976-025-000 |
| Primary APN | 12976-025-000 |
|---|
| Total Rooms | 6 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 11,928 sqft Gross Area |
| 1st Floor Area | 10,016 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Construction Type | Steel Frame |
| Fire Resistance | Fireproof Steel Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 32,974 sqft (0.757 acres) |
| Lot Dimensions | 220 ft deep x 150 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 509 E 23RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5307 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Store |
| Local Zoning Code | PC09 |
| Legal Description | 28 3S 14W -107.23- ST AND BAY DEV CO PLAT BEG 50 N & 774.59 W OF SE COR OF SW1/4 TH W 150 N 220 E 150 S 220 TO POB ORB 3817 P 889 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 28 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1502 |
509 E 23rd St, a commercial property, is owned by a company that bought it in July 2016.
Source: Bay County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 111 FLORIDA AVE, LYNN HAVEN, FL 32444-1333 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2016 · Amount on File |
| Deed Sale | Jul 28, 2016 · Amount on File |
| Prior Sale | May 2, 2011 · Amount on File |
| Deed Document Number | 201640793 |
| Deed Book / Page | 3817 / 889 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 509 E 23rd St was $21,427, down 0.2% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $21,427.00 (-0.22%) | $1,352,888 | $1,364,162 Land $824,373 Building $539,789 |
| 2024 | $21,474.00 (+39.14%) | ||
| 2023 | $15,433.00 (+33.22%) | $1,209,439 (+58.07%) Land $824,373 Building $385,066 | $1,209,439 (+58.07%) Land $824,373 Building $385,066 |
| 2022 | $11,585.00 | $765,129 Land $593,548 Building $171,581 | $765,129 Land $593,548 Building $171,581 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 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 AE, 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 |
|
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.
The area around 509 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.
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 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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