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

Bay County property record for 845 E 23rd St, Panama City, FL 32405

Property Summary

Property Type	Retail Store
Details	29,545 sqft · built 2005
Lot Size	3.16 acres (138,041 sqft)
Owner	Company Name on File
Last Sale	$5,000,000 (Mar 2020)
Tax Bill	$85,904 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Mar 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`12972-000-000`

Property Details

APN / Parcel Number

Primary APN	`12972-000-000`

Interior

Total Rooms	16 Rooms
Units	4 Units
Stories	1 Story
Building Area	29,545 sqft Gross Area
1st Floor Area	29,481 sqft
Flooring	Wood
Interior Walls	Plywood

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Sawtooth
Roof Material	Other
Lot Area	138,041 sqft (3.16 acres)
Lot Dimensions	591 ft deep x 325 ft wide

Exterior Amenities

Porch	Porch
Porch Area	64 sqft
Lawn Sprinklers	Lawn Sprinklers
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	845 E 23RD ST
City	PANAMA CITY
State	FL
Zip	32405-5311
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC09
Legal Description	28 3S 14W -103- 104B ST A B DEV CO PLAT PT OF LOTS 115 & 126 DESC AS: COM AT SE COR TH W 1350 N 48.52 FOR POB TH W 330 N 212.98 E 160 N 398.42 E 185 S 561.49 W 15 S 50 TO POB SUBJ TO & TOG W ESMTS ORB 4230 P 181
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST A B DEV CO PLAT
Legal Lot Number	115
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3063
Census Tract	1302

Owner

845 E 23rd St, a commercial property, is owned by a company that bought it in March 2020.

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

Owner of Record	Company Name on File
Mailing Address	20900 NE 30TH AVE, 307, MIAMI, FL 33180-2163
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
Nov 3, 2020	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Mar 6, 2020	Special Warranty Deed, Transfer · Commercial Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	Dec 10, 2015 · Amount on File
Deed Document Number	202017402
Deed Book / Page	4230 / 181
Prior Transfer Date	Nov 18, 2005
Prior Transfer Doc	0027092036
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	845 E 23RD ST, PANAMA CITY, FL 32405-5311
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20900 NE 30TH AVE 307, 307, AVENTURA, FL 33180-2163

Mortgage

Document Number	0043190052
Date	Nov 3, 2020
Book Page	4319/52
Instrument	2020073588

Lender

Name	AMERIS BANK
Type	Bank
Address	TAMPA, FL 33607

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 6, 2020
Property Address	845 E 23RD ST, PANAMA CITY, FL 32405-5311
Document Number	0042300181
Book / Page	4230 / 181
Instrument Date	Feb 28, 2020
Instrument	2020017402
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2398 E CAMELBACK RD # RD4, 2398, PHOENIX, AZ 85016-9001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2429 HOLLYWOOD BLVD # 300, 300, HOLLYWOOD, FL 33020-6605

Mortgage

Document Number	0042300184
Date	Mar 6, 2020
Instrument	4230/0184

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 845 E 23rd St was $85,904, down 0.7% 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	$85,904.00 (-0.67%)	$5,439,102 Land $2,521,010 Building $2,918,092	$5,439,102 Land $2,521,010 Building $2,918,092
2024	$86,487.00 (-2.98%)
2023	$89,145.00 (+16.44%)	$5,530,358 (+10.33%) Land $2,521,010 Building $3,009,348	$5,530,358 (+10.33%) Land $2,521,010 Building $3,009,348
2022	$76,558.00	$5,012,476 Land $2,020,397 Building $2,992,079	$5,012,476 Land $2,020,397 Building $2,992,079

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

Flood

FEMA maps place 845 E 23rd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	33.0 ft
Flood Insurance Requirement	Required federally backed loans
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

The area around 845 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
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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