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

Bay County property record for 731 E 23rd St, Panama City, FL 32405

Property Summary

Property Type	Retail Store
Details	23,625 sqft · built 1997
Lot Size	2.15 acres (94,046 sqft)
Owner	Company Name on File
Last Sale	$1,900,000 (Apr 2017)
Tax Bill	$40,869 (2025)
Deeds & Mortgages	Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`12984-020-000`

Property Details

APN / Parcel Number

Primary APN	`12984-020-000`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	23,625 sqft Gross Area
1st Floor Area	23,375 sqft
Flooring	Wood
Interior Walls	Plywood

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Sawtooth
Roof Material	Other
Lot Area	94,046 sqft (2.15 acres)
Lot Dimensions	405 ft deep x 197 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	731 E 23RD ST
City	PANAMA CITY
State	FL
Zip	32405-5310
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC09
Legal Description	28 3S 14W -114.2- 104B ST AND BAY DEV CO PLAT COM AT SE COR OF SEC W 2030.01 N 60.91 TO N R/W 23RD ST FOR POB TH W 195.50 N 405.06 E 245.47 S 301 W 50 S 104.16 TO POB ORB 3887 P 1910
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	3
Census Block	3063
Census Tract	1302

Owner

731 E 23rd St, a commercial property, is owned by a company that bought it in April 2017.

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

Owner of Record	Company Name on File
Mailing Address	457 COUNTY ROAD 30, SLOCOMB, AL 36375-5417
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2017 · Amount on File
Deed Sale	Apr 3, 2017 · Amount on File
Deed Document Number	201718186
Deed Book / Page	3887 / 1910
Record Updated	Oct 29, 2026

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Apr 3, 2017
Property Address	731 E 23RD ST, PANAMA CITY, FL 32405-5310
Document Number	0038871910
Book / Page	003887 / 001910
Instrument Date	Mar 28, 2017
Instrument	18186
Transaction Type	Transfer
Record Updated	May 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$13,000.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	457 COUNTY ROAD 30 SLOCOMB AL 363755417, SLOCOMB, AL 36375-5417

Tax Assessment & Valuation

The 2025 property tax bill for 731 E 23rd St was $40,869, down 0.4% 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	$40,869.00 (-0.44%)	$2,587,677 Land $1,079,500 Building $1,508,177	$2,587,677 Land $1,079,500 Building $1,508,177
2024	$41,049.00 (-5.93%)
2023	$43,636.00 (+12.28%)	$2,618,749 (+0.23%) Land $1,079,500 Building $1,539,249	$2,618,749 (+0.23%) Land $1,079,500 Building $1,539,249
2022	$38,865.00	$2,612,695 Land $1,057,910 Building $1,554,785	$2,612,695 Land $1,057,910 Building $1,554,785

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

Flood

FEMA maps place 731 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	21 (1998–2018)
Claims Outside the SFHA	6 of 21
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 11 claims Severe Storms And Flooding, Jul 2013 · 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

Wildfire risk around 731 E 23rd St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20