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Panama City, FL

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Latitude: 30.174451 -- Longitude: -85.66448

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Panama City is a city located along U.S. Highway 98 in Bay County, Florida. It is the largest city between Pensacola, Florida and Tallahassee, Florida. It is the larger (population wise) of two principal cities of the Panama City-Lynn Haven, Florida Metropolitan Statistical Area. As of the 2000 census, the city population was 36,417; by 2004, the city's population had grown to 37,079, according to Census Bureau estimates. It is the county seat of Bay CountyGR6 and is located just east of the vacation destination Panama City Beach. Major employers in the Bay County area include Tyndall Air Force Base (located east of the city), the Coastal Systems Station-Naval Surface Warfare Center, Gulf Power, Arizona Chemical, Stone Container, and Berg Pipe. Gulf Coast Community College and a satellite campus of Florida State University offer educational opportunities. The city is served by Panama City-Bay County International Airport (PFN). -- Source:

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Census Data for Panama City, Florida

Florida 2000 Census Population Profile Map

Panama City Florida United States
Population 36,417 15,982,378 281,421,906
Median age 37.2 38.7 35.3
Median age for Male 35.4 37.3 34
Median age for Female 39.3 40.1 36.5
Households 14,819 6,337,929 105,480,101
Household population 34,066 15,593,433 273,643,273
Average household size 2.3 2.46 2.59
Families 9,039 4,210,760 71,787,347
Average family size 2.92 2.98 3.14
Housing units 16,548 7,302,947 115,904,641
Occupied units 14,819 6,337,929 105,480,101
Vacant units 1,729 965,018 10,424,540

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Short Sale Basics from a Tampa Bay Realtor

"Education is learning what you didn't even know you didn't know."
Daniel J. Boorstin

Team Chais is a team of licensed Real Estate Agents, Top Notch Negotiators and Certified Distressed Property Specialists that have a lot of experience with short sales. Well recognized for our work with lenders and attorneys in this highly specialized process, Team Chais has earned this recognition because of our personal approach.

We constantly come into contact with clients who hear short sale and do one of two things.
A) Run for the hills because they won't even consider it an option.
B) Assume that they don't qualify and that foreclosure is their only option.

As Boorstin says, the best way to get people to open their minds, is through education.

In this posting, we would like to educate you on the short sale process in a simplistic manner. These are meant to make you think about the possibility of a short sale, without overwhelming you, or making your eyes glaze over. There is a lot more to know about short sales, and as you will notice, it is imperative that you have a licensed and experienced Realtor to help you along the way. So without further adieu...

Short Sale 101

1) Banks grant short sales to sellers who have a hardship (i.e. unemployment, divorce, bankruptcy, etc.) and owe more on the mortgage than the home is worth

2) To qualify for a short sale, the seller will need to submit the following:
- A letter of authorization
- HUD-1 or preliminary net sheet
- A Hardship Letter
- 2 years of tax returns
- 2 years of W-2s
- Recent Payroll stubs
- 2 months of bank statements
- Comparative market analysis

3) A buyer will write a short sale offer (at which point the buyer should ask his or her Tampa Bay real estate agent for a list of comparable sales)

4) The seller accepts the offer

5) The Tampa Bay Real Estate Agent sends the following to the bank
- Buyer's preapproval letter
- Copy of earnest money check
- Seller's short sale package

6) The Buyer waits to get a response from the bank. The Tampa Bay Real Estate Agent plays a large role here in keeping in regular contact with the bank.

Team Chais treats each short sale situation with compassion. We realize how important it is to provide counseling in more ways than one to help our clients through the short sale process. Being Tampa Bay distressed property specialists means wearing a lot of hats - part teacher, part counselor, part Realtor. Team Chais wears them all well. If you live in Tampa Bay and would like the full short sale lesson, we would be happy to help. Our site is a great resource - featuring articles on a Seller's guide to short sales, a Buyer's guide to short sales, as well as our exclusive short sale package.

Team Chais
Tampa FL Real Estate Agent
Tampa FL Homes for Sale
Search ALL Tampa FL Properties

Life's Always A Beach in Tampa Bay

The beautiful thing about living in Tampa Bay Real Estate is that it is not quite a concrete jungle. Beyond the city streets and high rises, we are lucky enough to have the sunny, sandy beaches of the Gulf Coast. From St. Pete's Beach to Johns Pass and northward to Indian Rocks Beach - Tampa Bay boasts a pretty extensive sun and fun landscape.

Our beaches are unlike any other. They are more than just sand and ocean. A typical beach can feature everything from a campground to something as extravagant as an archaeological site. With too many to cover in one sitting, Team Chais would like to present you with…

The Featured Beach of the Week: St. Pete's Beach

Report by the American Medical Convention in 1885:
"Where should a healthy city be built? Overlooking the deep Gulf of Mexico, with the broad waters of a beautiful bay nearly surrounding it, but with little upon its soil but primal forest, there is a large sub peninsular, Point Pinellas, waiting the hand of improvement. It lies in latitude 27 degrees and 42 minutes, and contains, with its adjoining keys about 160,000 acres of land. No marsh surrounds its shores or rests upon its surface; the sweep of its beach is broad and graceful, stretching many miles, and may be improved to an imposing extent. Its average winter temperature is 72 degrees. Those who have carefully surveyed the entire state think it offers the best climate in Florida."

Nicknamed the Sunshine City, St. Petersburg is more than just a beach, it's an entire city. Just as this report says, this beach stretches many miles and may be improved to an imposing extent. St. Petersburg is vast and, year after year, continues to make improvements to its beaches and its community. Within the boundaries of this Sunshine City, there are five beaches.

Fort De Soto Beach
The first beach is one of the best around - not just in Florida, but in the entire United States according to numerous rankings and awards. The beach boasts a year-round county campground, miles of nature trails, paved fitness trails, canoe trails, and 800 foot boat launch with floating docks, fishing piers, picnic pavilions, a concession stand and shower facilities.

St. Petersburg Municipal Beach
11260 Gulf Blvd. Treasure Island
On the border of Gulf of Mexico sits the 500 feet of St. Peteresburg's sandy white shores. This beach features full shower and changing facilities, snack bar, beach volleyball courts and a beach wheelchair for the handicapped. Its biggest accomplishment is its cleanliness, recently proven by winning a Blue Wave Beach Award from the Clean Beaches Council.

Maximo Beach and Park
34th Street and Pinellas Point Drive
This beach has recently become the place to be with its newest venture - the "Tocobaga Disc Golf Course." A championship 18 hole course for Frisbee that winds through 47 wooded acres. It also touts three boat ramps, a nature boardwalk, two beach-side playgrounds, bike and nature trails, a 70 acre archaeological site, and a 10 foot observation tower which offers the perfect panoramic view of the Sunshine Skyway Bridge, the Gulf of Mexico and Boca Ciega Bay.

Downtown St. Petersburg's Spa and North Shore Beaches
2nd Avenue NE and Tampa Bay
A common place for tourists, this area offers two public beaches where visitors can rent paddleboats, jet skis and other watercrafts, as well as enjoy a playground, an Olympic-sized swimming pool, tennis courts, a palm arboretum, and plenty of parking. It is also the setting of big events such as the St. Anthony's Triathalon.

Egmont Key
If you're looking for the perfect place to take a long midnight stroll, this is it. This island features an 87 foot lighthouse, 440-acre wildlife refuge, and miles of beach offering the perfect view of the Sunshine Skyway Bridge.

So as you can see, life in Tampa Bay really is a beach! It is part of our culture to spend a Saturday lounging the sand, running the length of the beach, or taking advantage of the amenities of the beach for a day of amusement with the kids. If you are thinking about Tampa Bay Real Estate, please don't hesitate to contact Team Chais. Living on the beach is not as far-fetched as you think.

Team Chais
Tampa FL Real Estate Agent
Tampa FL Homes for Sale
Search ALL Tampa FL Properties

Tampa Bay: Back to School, Back to Normal, Giving Back

Summer is slowly coming near an end in Tampa Bay. Although the weather here is not as telling as other climates that fall is on its way, there is still a change in the air come September. It means back to school for the kids; it means returning home for the tourists; it means back to a normal schedule for us Tampa Bay residents.

There is something about this time of the year that motivates us all to get out of relaxed-summer mode and into self-motivated mode. Nothing is more satisfying and self-motivating than giving back to your community, and Tampa Bay has no shortage of ways on how to do that. The following are a few upcoming volunteer opportunities available to Tampa Bay.

Be a Puppy Raiser with Southeastern Guide Dogs
Selectively bred puppies come to you at 9 weeks of age. They will live in your house while you teach them obedience and begin training them to be seeing eye dogs. Contact Ellen Cox for more information or visit the Southwestern Guide Dogs Website.

Grocery Shopping for A Good Cause with Tampa Bay Harvest
Ever wonder about that perfectly edible food that gets thrown away at the end of the day in restaurants or the outdated food at grocery stores? Tampa Bay Harvest is the organization that transports it from the people that don't need it, to the people that do. As a volunteer, you help collect and deliver the food the pre-approved charities in Pinellas and Hillsborough Counties.

Join an All-Encompassing Volunteer Group with Handson Tampa Bay
Brought to you by the United Way of Tampa Bay, HandsOn is Tampa Bay's premier volunteering and community service platform. Its structure is ideal, uniting volunteers together in a fun and flexible environment, allowing you to choose from various volunteer opportunities throughout the year.

There is no better way to get to know your community than by volunteering. It makes a relatively large place like Tampa Bay seem much smaller when you are working within your community. If you are looking to move to Tampa Bay, Team Chais is a great resource for Tampa Bay Real Estate or simply advice about this great city.

Team Chais
Tampa FL Real Estate Agent
Tampa FL Homes for Sale
Search ALL Tampa FL Properties

Events on a Tampa Bay Scale

The events and activities that are available to Tampa Bay are almost always big-scale, completely unique, family-friendly experiences. The events and venues themselves define Tampa Bay's culture. This particular event is definitely one of those….

The Museum of Science and Industry Presents - CSI: The Experience

For every die hard CSI: Crime Scene Investigation Fan out there who has ever wanted to play detective, this is your chance. The exhibit allows visitors to play the role of the crime scene investigator, learn the scientific principles and investigative techniques, and actually solve one of three crime scene mysteries.

DNA, latent prints, forensic anthropology, toxicology - this is the stuff that Forensic dreams are made of. This hands-on exhibit comes complete with special effects direct from the TV series.

The exhibit will be available from June 19th to September 6th, from 9 am - 6 pm. The Museum of Science and Industry (The MOSI), located at 4801 E. Fowler Ave in Tampa, boasts more than 400 exhibits, the nation's largest science center, an IMAX theatre, a planetarium, a 3-D theater and a butterfly garden. Once again, the MOSI is typical Tampa Bay. It has everything that you could possibly want, in one place, that you couldn't get anywhere else.

If you love the sounds of having fantastic places like the MOSI right in your backyard, maybe its time you look into Tampa Bay Real Estate. We would be happy to point you in the right direction. After all, we know and love Tampa Bay and are happy to help anybody else find a home here too.

Team Chais
Tampa FL Real Estate Agent
Tampa FL Homes for Sale
Search ALL Tampa FL Properties

A Taste of Tampa Bay

Whether you realize it or not, Tampa Bay is a popular food destination. With a deep rooted stake in ethnic cuisine brought over by immigrants from Cuba, Spain, and Sicily back in the 1800s, you can find some mouthwatering dishes like authentic tapas and good wine. The tourist industry brings in some fantastic large scale restaurant venues. Of course, the Gulf Coast location of Tampa Bay Real Estate lends way for some of the freshest seafood dishes available.

For all of you Tampa Bay foodies, From Sunday, August 29th through Monday, September 6th is the Annual Dine Tampa Bay Restaurant Week! This is the time to try all of the restaurants that you have always wanted to explore, but could never quite made the trip. Restaurant week gives you the opportunity to go to some of Tampa Bay's finest restaurants for a discount.

The participating restaurants will offer a $25, $30, or $35 prix fixe 3 course menu featuring an appetizer, entree and dessert per person. Tampa Bay's restaurants run the gamut - from local charming bistros to Asian fusion hot spots, tapas to sushi, gourmet to the local beachside gem, from Spanish, French, and Italian, to every ethnic cuisine in between.

Here is the full list of participating Tampa Bay restaurants:

• 400 Beach Seafood & Tap House
• Avanzare
• Bella's Italian Cafe
• Blue Water Grill
• Boizao Steakhouse
• Brio Tuscan Grille
• Bubba Gump Shrimp Co.
• Café Dufrain
• Capital Grille, The
• CineBistro @ Hyde Park Village
• Columbia Cafe at the Tampa Bay History Center Channelside
• Columbia Restaurant - Clearwater Beach
• Columbia Restaurant - St. Petersburg
• Columbia Restaurant - Ybor City
• Dempsey's Steak House
• Donatello, Inc.
• Fleming's Prime Steakhouse & Wine Bar
• Gallagher's Steak House
• Grape at International Plaza, The
• GrillSmith- Tampa
• GrillSmith- Lakeland
• GrillSmith- Clearwater
• GrillSmith- Brandon
• Hangar Restaurant & Flight Lounge, The
• Hula Bay Club
• Jackson's Bistro, Bar & Sushi
• Kona Grill
• Marchand's Bar and Grill - Located at the Renaissance Vinoy Resort
• Melting Pot of Oldsmar, The
• Melting Pot of St. Petersburg, The
• Melting Pot of Tampa, The
• Mise en Place
• Mitchell's Fish Market
• NoHo Bistro and Catering, The
• Ocean Prime
• Oystercatchers
• Palm Restaurant: Tampa
• Parkshore Grill
• Pelagia Trattoria
• Roy's Hawaiian Fusion Restaurant
• Ruth's Chris Steak House
• Seasons 52
• Shor American Seafood Grill at Hyatt Clearwater Beach Resort
• Shula's Steak House
• SideBern's
• Spain Restaurant/Toma Bar
• StarLite Majesty Dining Yacht
• Tinatapas
• Urban Culinary Cuisine Cafe
• Yacht StarShip

As you can see, living in Tampa Bay puts you at the center of every possible amenity that you need. Its restaurants are a perfect example of this. Choose an area of the country, choose a type of venue ranging from luxury to local hole-in-the-wall, and choose from a large chain to a local gem. This is the beauty of Tampa Bay. If you are thinking about Tampa Bay Real Estate, please don't hesitate to contact Team Chais. We would love to show you around.

Team Chais
Tampa FL Real Estate Agent
Tampa FL Homes for Sale
Search ALL Tampa FL Properties

Tim Clark overtakes Jim Furyk for Canadian Open title

MONTREAL | Tim Clark rallied to win the Canadian Open on Sunday, birdieing five of the last eight holes for a one-stroke victory over Jim Furyk.

Clark closed with a 5-under 65 at rainy Royal Montreal for his second PGA Tour victory. The 38-year-old South African player also won the 2010 Players Championship.

Furyk, the two-time Canadian Open champion who took a three-stroke lead into the final round, finished with a 69. The 44-year-old American matched Clark with a birdie on the par-3 17th and a par on the par-4 18th.

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Jaguars Notebook: Pads on, scuffles break out

The Jaguars wore shoulder pads for the first time in training camp and the workout was highlighted by three skirmishes that were harmless, but entertaining.

“It was great to get the pads on,” coach Gus Bradley said. “I know our players were fired up about it.”

The three altercations: Tight end Clay Harbor against defensive end Tyson Alualu, left guard Zane Beadles against defensive end Red Bryant and guard Patrick Lewis against defensive tackle DeAndre Coleman. Each fracas was broken up quickly and practice rolled on.

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Rants & Raves: Reader Contributions


Just one time it would be refreshing for a Jacksonville business leader to exhort our mayor and council to be good stewards of the vast budget they manage. Of course, in our version of crony capitalism, that won’t happen. They use the nonsense of downtown development to shift our tax dollars to their pockets.

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RB Toby Gerhart geared up to help Jaguars

Jaguars coach Gus Bradley got to see Toby Gerhart run with shoulder pads Sunday, and Bradley liked what he saw.

“… He had a gap scheme with a small space, and he stayed true to it and hit it and had good pad level,” Bradley said. “I think it was a good sign.”

Gerhart said, “It was a good first day in pads. It felt good to see the offensive line come off the ball in that first nine-on-seven drill and move some guys.”

A pounding, punishing runner who was signed as a free agent from Minnesota last March to replace Maurice Jones-Drew, Gerhart wants more.

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Day for Braves at Baseball Hall of Fame

COOPERSTOWN, N.Y. | Frank Thomas choked back tears, Joe Torre apologized for leaving people out of his speech and Tony La Russa said he felt uneasy.

Being enshrined in the Hall of Fame can have those effects, even on the greats.

Thomas, pitchers Tom Glavine and Greg Maddux, and managers Bobby Cox, Torre and La Russa were inducted into the baseball shrine Sunday, and all paid special tribute to their families before an adoring crowd of nearly 50,000.

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City Council faces decision on whether to boost property taxes for pension reform

Jacksonville City Council members are divided on whether they will enact a property tax increase to help pay down the city’s $1.65 billion debt to the Police and Fire Pension Fund.

City Councilman Richard Clark has been making the case for raising the tax rate, saying council members cannot shirk from taking on the tough choices involved in comprehensive pension reform.

“This is the issue of our time,” Clark told other members of the council’s Finance Committee at a recent meeting.

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Jeff Gordon gives Indy fans a show in victory at Brickyard 400

SPEEDWAY, IND. | Jeff Gordon let his focus wander in the final five laps of Sunday’s Crown Royal 400 at Indianapolis Motor Speedway.

It was a rare moment when he didn’t have to be concerned with oncoming traffic. He was too fast to catch.

With a clear path ahead, he had the opportunity to stare into the speedway’s grandstands. There he saw an overwhelming wave of emotion from fans, many who were there 20 years ago when he won his first race at the famed Brickyard, cheering him closer to victory with every closing lap.

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Jacksonville nonprofit selected for Google Glass project

This fall a Jacksonville-based nonprofit that connects top-performing athletes with underserved schools will use Google Glass to help build relationships between California-based Paralympian Lex Gillette and students across the country.

Through Glass, a device that works like a smartphone and is worn like a pair of glasses, the blind track and field athlete will give students first-person educational videos as he trains, competes and performs. In response, the students will describe to him what they are viewing and learning along the way.

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Jay Rogers pitches Suns past Biscuits


Jay Rogers allowed two hits over 7 2/3 innings, and visiting Jacksonville scored three runs in the eighth to win its second straight over Montgomery at Riverwalk Stadium on Sunday. Rogers (6-2) walked none and struck out three. Taylor Motter’s 13th home run was the only run he allowed. Matt Ramsey pitched the ninth, striking out two, for his 10th save. Brent Keys doubled to start the Suns’ eighth, and Austin Nola and Brady Shoemaker had singles. The Biscuits contributed to the rally with three errors.

How to wait while wife shops at Sam's Club

Snake in the road

On a recent bike ride, we almost ran over this little critter. So, I had to stop and talk to him about looking both ways before he tried to cross the road. But, as snakes tend to do, he just sighed and slithered away. Lois Anne saw one just like this in our yard yesterday. Maybe he followed us home?

SECO Electric truck

I always get a charge when I see one of these electric company trucks.

Quartet aligned

It struck me right away. Four items all aligned: the fire hydrant, the electrical box, the street lamp and the tree. I mean, really, how often do you see something like that?

Three kayaking outings on the Rainbow River

Ocala's Goofy Car

This pile of junk disappeared months ago.  Then, the other evening, I saw it again, parked in plain sight at the Heathbrook Market outdoor mall!   A small man wearing some kind of head cover stood next to it while talking emphatically into a phone plastered to his ear.  Who he was and what this car is about remain a mystery.

But it doth appear to proffer a weird religious message which is not at all unusual as we are overrun with religious goofballs in Florida!  Unfortunately, many of them hold important government positions!

Reflective symmetry - downtown Ocala

Homeless in Ocala

Local officials have made it almost impossible for the homeless to exist in our fair city. It is not as bad here as in Fort Lauderdale, however, where the folks running the place have made it illegal to feed the homeless in public places.

An archaeological artifact ... or?

We found this adorning the window of an unused space in a downtown building.  Could it be an archaeological artifact or is it just an old advertisement?

Downtown Billiards - Upstairs

Swampy's on the Rainbow River

Swampy's offers good ol' fashioned southern cooking, a variety of drinks, good service, and a great view. Oh, also fried pickles!

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