Bay County property record for 908 E 23rd St, Panama City, FL 32405
| Property Type | Restaurant |
|---|---|
| Details | 4,168 sqft · built 2010 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | Company Name on File |
| Last Sale | $2,880,000 (Sep 2019) |
| Tax Bill | $12,509 (2025) |
| Deeds & Mortgages | Sep 2019 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 14405-030-000 |
| Primary APN | 14405-030-000 |
|---|
| Total Rooms | 6 Rooms |
|---|---|
| Building Area | 4,168 sqft Gross Area |
| 1st Floor Area | 4,168 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Other |
| Lot Area | 40,946 sqft (0.94 acres) |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 908 E 23RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5328 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | PC09 |
| Legal Description | 33 3S 14W 104C1 ST AND BAY DEV CO PLAT COM AT INTERSECT OF E SEC LINE & SLY R/W 23RD ST S 129.90 TO NLY R/W HWY 231 SWLY 867.24 N 657.85 W 661.70 W 69.96 FOR POB TH W 190 S 211.21 SELY 141.67 NELY 39.27 NELY 79.03 NELY 39.02 N 109.63 TO POB TOG WITH |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 33 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 1600 |
908 E 23rd St, a commercial property, is owned by a company that bought it in September 2019.
Source: Bay County records, as of May 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 607, CHIPLEY, FL 32428-0607 |
| 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 | Sep 4, 2019 · Amount on File |
| Deed Sale | Sep 4, 2019 · Amount on File |
| Deed Document Number | 201978614 |
| Deed Book / Page | 4163 / 2301 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 4, 2019 |
| Property Address | 908 E 23RD ST, PANAMA CITY, FL 32405-5328 |
| Document Number | 0041632301 |
| Book / Page | 004163 / 002301 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 78614 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO NA |
| Amount | Amount on Record |
|---|---|
| Tax | $20,160.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 150 4TH AVE N #900 NASHVILLE TN 372192433, 900, NASHVILLE, TN 37219-2433 |
The 2025 property tax bill for 908 E 23rd St was $12,509, down 6.1% 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 | $12,509.00 (-6.05%) | $792,032 Land $186,167 Building $605,865 | $792,032 Land $186,167 Building $605,865 |
| 2024 | $13,315.00 (-9.21%) | ||
| 2023 | $14,666.00 (+8.66%) | $843,801 (+3.62%) Land $186,167 Building $657,634 | $843,801 (+3.62%) Land $186,167 Building $657,634 |
| 2022 | $13,497.00 | $814,321 Land $186,167 Building $628,154 | $814,321 Land $186,167 Building $628,154 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 908 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 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 908 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 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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