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

Bay County property record for 528 E 23rd St, Panama City, FL 32405

Property Summary

Property TypeAuto Repair, Garage
Details6,720 sqft · built 2019
Lot Size0.974 acres (42,427 sqft)
OwnerCompany Name on File
Last Sale$1,780,000 (Mar 2026)
Tax Bill$27,130 (2025)
Deeds & MortgagesMar 2026 Sale
Jun 2018 Sale
Flood ZoneZone X (minimal risk)
APN14602-100-040

Property Details

APN / Parcel Number

Primary APN14602-100-040

Interior

Total Rooms3 Rooms
Building Area6,720 sqft Gross Area
1st Floor Area5,040 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeRigid Frame Bar Joist
Roof MaterialMetal
Lot Area42,427 sqft (0.974 acres)
Lot Dimensions267 ft deep x 159 ft wide

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Street Address528 E 23RD ST
CityPANAMA CITY
StateFL
Zip32405-5308
Property CategoryCommercial
Property TypeCommercial > Retail > Auto Repair, Garage
Local Zoning CodePC09
Legal DescriptionBAY CITY POINT PH 1 LOT 4 ORB 4014 P 2126
Legal Range14W
Legal Township03S
Legal Section33
Legal SubdivisionBAY CITY POINT PH 1
Legal Phase1
Legal Lot Number4
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1003
Census Tract1600

Owner

528 E 23rd St, a commercial property, is owned by a company that bought it in March 2026.

Source: Bay County records, as of March 26, 2026

Owner of RecordCompany Name on File
Mailing Address4261 DEEPHAVEN LN, NAPLES, FL 34119-8619
Owner TypeCompany
VestingLimited Liability Partnership

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

DateDocument
Mar 9, 2026Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jun 5, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 9, 2026 · Amount on File
Deed SaleMar 9, 2026 · Amount on File
Prior SaleJun 5, 2018 · Amount on File
Deed Document Number202614200
Deed Book / Page5010 / 1477
Record UpdatedJun 8, 2026

March 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateMar 9, 2026
Property Address528 E 23RD ST, PANAMA CITY, FL 32405-5308
Document Number0050101477
Book / Page5010 / 1477
Map ReferenceMB 26 PG 14-18
Instrument DateMar 6, 2026
Instrument2026014200
Transaction TypeTransfer
Record UpdatedMar 25, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$12,460.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1990 BROOKWOOD DR, COLORADO SPRINGS, CO 80918-1132

Transferred To (Grantee/Buyer)

NameVerified Name
Address4261 DEEPHAVEN LN, NAPLES, FL 34119-8619

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJun 5, 2018
Property Address528 E 23RD ST, PANAMA CITY, FL 32405-5308
Document Number0040142126
Book / Page004014 / 002126
Instrument DateJun 1, 2018
Instrument32984
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$12,880.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address15 GLEN ALPINE RD JACKSONVILLE MD 211312408, JACKSONVILLE, MD 21131-2408

Tax Assessment & Valuation

The 2025 property tax bill for 528 E 23rd St was $27,130, up 2.2% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$27,130.00 (+2.2%)$1,554,596$2,037,585 Land $1,273,590 Building $763,995
2024$26,546.00 (+1.45%)
2023$26,167.00 (+23.77%)$2,053,182 (+32.34%) Land $1,273,590 Building $779,592$2,053,182 (+32.34%) Land $1,273,590 Building $779,592
2022$21,142.00$1,551,446 Land $764,154 Building $787,292$1,551,446 Land $764,154 Building $787,292

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 528 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 39 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims6 (1984–2018)
Claims Outside the SFHA2 of 6
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 3 claims
  • Hurricane Opal, Oct 1995 · 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 528 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 RiskNot 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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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