Bay County property record for 524 E 23rd St, Panama City, FL 32405
| Property Type | Fast Food Restaurant |
|---|---|
| Details | 2,280 sqft · built 2018 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | Company Name on File |
| Tax Bill | $21,925 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14602-100-030 |
| Primary APN | 14602-100-030 |
|---|
| Total Rooms | 2 Rooms |
|---|---|
| Building Area | 2,280 sqft Total Area |
| 1st Floor Area | 2,280 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Metal |
| Lot Area | 40,511 sqft (0.93 acres) |
| Lot Dimensions | 307 ft deep x 132 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 524 E 23RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5308 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Fast Food Restaurant |
| Local Zoning Code | PC09 |
| Legal Description | BAY CITY POINT PH 1 LOT 3 ORB 3978 P 304 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 33 |
| Legal Subdivision | BAY CITY POINT PH 1 |
| Legal Phase | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1600 |
524 E 23rd St, a commercial property, is owned by a company that acquired it in February 2018.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1683 WALNUT GROVE AVE, ROSEMEAD, CA 91770-3711 |
| 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 | Feb 7, 2018 |
| Deed Sale | Feb 7, 2018 |
| Deed Document Number | 0003978304 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 30, 2019 |
| Property Address | 524 E 23RD ST, PANAMA CITY, FL 32405-5308 |
| Document Number | 0041730398 |
| Book / Page | 004173 / 000398 |
| Instrument Date | Sep 26, 2019 |
| Instrument | 85624 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1120 N TOWN CENTER DR LAS VEGAS NV 891446301, LAS VEGAS, NV 89144-6301 |
| Document Number | 41730398 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 004173/000398 |
| Instrument | 85624 |
| Name | CITIZENS BK NA |
|---|---|
| Address | 28 STATE ST, BOSTON, MA 02109-1775 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Sep 29, 2039 |
The 2025 property tax bill for 524 E 23rd St was $21,925.
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 | $21,925.00 | $1,633,494 Land $1,215,720 Building $417,774 | $1,633,494 Land $1,215,720 Building $417,774 |
| 2023 | $20,839.00 (+28.67%) | $1,651,005 (+44.34%) Land $1,215,720 Building $435,285 | $1,651,005 (+44.34%) Land $1,215,720 Building $435,285 |
| 2022 | $16,196.00 | $1,143,791 Land $729,432 Building $414,359 | $1,143,791 Land $729,432 Building $414,359 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 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 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 6 (1984–2018) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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 524 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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