Bay County property record for 909 E 23rd St, Panama City, FL 32405
| Property Type | Bank, Financial Building |
|---|---|
| Details | 16,493 sqft · built 2021 |
| Lot Size | 3.8 acres (165,528 sqft) |
| Owner | Company Name on File |
| Last Sale | $250,000 (Dec 1977) |
| Tax Bill | $60,776 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 12969-030-000 |
| Primary APN | 12969-030-000 |
|---|
| Total Rooms | 12 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 16,493 sqft Total Area |
| 1st Floor Area | 1,137 sqft |
| 2nd Floor Area | 7,914 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Rigid Frame Bar Joist |
| Lot Area | 165,528 sqft (3.8 acres) |
| Lot Dimensions | 410 ft deep x 635 ft wide |
| Porch | Porch |
| Porch Area | 350 sqft |
| Cooling System | Other |
|---|---|
| Heating System | Forced Air |
| Street Address | 909 E 23RD ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5312 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Local Zoning Code | PC09 |
| Legal Description | 28 3S 14W -101.5- 104B ST A B DEV CO PLAT BEG 64.8' N & 660' W OF SE COR |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 28 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3062 |
| Census Tract | 1302 |
909 E 23rd St, a commercial property, is owned by a company that bought it in December 1977.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 59760, PANAMA CITY, FL 32412-0760 |
| 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 | Dec 1, 1977 · Amount on File |
| Deed Sale | Dec 1, 1977 · Amount on File |
| Deed Document Number | 0000659410 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 909 E 23rd St was $60,776.
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 | $60,776.00 | $3,950,421 Land $1,520,000 Building $2,430,421 | $3,950,421 Land $1,520,000 Building $2,430,421 |
| 2023 | $59,172.00 (+4.7%) | $3,974,054 (-21.39%) Land $1,520,000 Building $2,454,054 | $3,974,054 (-21.39%) Land $1,520,000 Building $2,454,054 |
| 2022 | $56,518.00 | $5,055,386 Land $2,352,000 Building $2,703,386 | $5,055,386 Land $2,352,000 Building $2,703,386 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 909 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 |
|
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 909 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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