Bay County property record for 93 E 11th St, Panama City, FL 32401
| Property Type | Restaurant |
|---|---|
| Details | 2,983 sqft · built 1948 |
| Lot Size | 0.243 acres (10,585 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,705 (2025) |
| Deeds & Mortgages | Aug 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 18061-000-000 |
| Primary APN | 18061-000-000 |
|---|
| Total Rooms | 5 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 2,983 sqft Gross Area |
| 1st Floor Area | 2,983 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,585 sqft (0.243 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 93 E 11TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-2934 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | PC09 |
| Legal Description | 5 4S 14W -27- 28B BEG 30 N & 50 W OF SE COR OF NE1/4 TH W 125 N 85 E 125 TO W LINE OF MAGNOLIA AVE S 85 TO POB ORB 4838 P 2207 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 05 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 2000 |
93 E 11th St, a commercial property, is owned by a company.
Source: Bay County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3133 WOOD VALLEY RD, PANAMA CITY, FL 32405-4236 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 93 E 11TH ST, PANAMA CITY, FL 32401-2934 |
| Document Number | 0040450546 |
| Instrument Date | Aug 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 93 E 11TH ST PANAMA CITY FL 324012934, PANAMA CITY, FL 32401-2934 |
| Document Number | 0040450546 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 004045/000546 |
| Instrument | 53586 |
| Name | MIDSOUTH BK |
|---|---|
| Type | Bank |
| Address | PANAMA CITY, FL 32405 |
| Term | 36 Months |
|---|---|
| Due | Sep 5, 2021 |
The 2025 property tax bill for 93 E 11th St was $1,705, down 15.9% 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 | $1,705.00 (-15.93%) | $108,009 (+0.37%) Land $53,125 Building $54,884 | $108,009 (+0.37%) Land $53,125 Building $54,884 |
| 2024 | $2,028.00 (+5.13%) | $107,613 (-2.42%) Land $53,125 Building $54,488 | $107,613 (-2.42%) Land $53,125 Building $54,488 |
| 2023 | $1,929.00 (+15.03%) | $110,280 (+14.45%) Land $53,125 Building $57,155 | $110,280 (+14.45%) Land $53,125 Building $57,155 |
| 2022 | $1,677.00 | $96,360 Land $42,500 Building $53,860 | $96,360 Land $42,500 Building $53,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 93 E 11th St in Zone X, an area of minimal flood risk, though there have been 93 flood claims nearby since 1984.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 47 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 93 (1984–2020) |
| Claims Outside the SFHA | 64 of 93 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 93 E 11th 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 336 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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