Welcome to Say When Charters, a veteran-owned and operated fishing guide service. Capt. Chris Florence was born and raised in South Florida fishing the Atlantic waters off the Florida Keys and Biscayne National Park for 20 years. He has been fishing the Gulf of Mexico off Panama City Beach for 10 years. Offshore fishing is a passion of his and sharing that experience makes it all worthwhile. Capt. Chris says he is living the DREAM!

Military and first responders with proper credentials will get a 10% discount, only one person in the group needs proof.

All aboard a 2016 27’ “GameFish” series Sea Hunt boat. Powered by twin 200 HP fuel efficient Yamaha Outboard engine. Cruising in style at 35 knots and topping out at 50. Outfitted with the latest double redundant electronics, twin Garmin GPS/Chart plotter/fishfinders, VHF radios, Garmin HDX 48 Nautical Mile Radar, JL audio system, and EPIRB. Her deep V hull and signature Carolina bow flare ensure a comfortable and safe DRY ride in most sea conditions.

The Panhandle has plenty to offer from Mahi Mahi, Blackfin Tuna, Cobia, famous Red Snapper, Black/Red/Gag, and Scamp Grouper. The Gulf has hundreds of wrecks and structures under the Emerald green waters just loaded with large Amberjacks and schools of fish. All within 9 miles offshore of the St. Andrews pass.

When you head back to shore, the captain will clean and fillet your catch, so you’re all set for a tasty treat later that evening. Capt. Chris welcomes anglers of all ages and abilities aboard, so bring the whole family for a memorable fishing experience.

Your trip with Say When Charters will include rods, reels, tackle, live and artificial baits, and a fishing license. Also, all USCG safety gear is provided. So all you have to bring is something to eat and drink for the day, he will provide water, and enjoy your adventure! So y’all want to go fishing? Just “SAY WHEN”!



Select date to see available trips and rates:

  • Private trip
    3 Hour Trip – Inshore Bull Redfish
    FREE Cancellation 3 days notice
    3 Hour Trip, starts at 7:00 AM
    Seasonal trip (Sat, Sun)
    $450
    The capt.'s choice on departure time. This trip is dependent on the right tide, which is different every day. This fish is trophy material ranging from 35" well over 45+ in excess of 40 lbs. We cannot keep this fish, it is considered breeders and it's pics only. But it's a fish of a lifetime, and it fights like a bull. This is not fast-paced fishing, it's a waiting game. If you're patient, you can be rewarded with beautiful Bull Redfish.
  • Private trip
    4 Hour – Bottom/Trolling (AM)
    FREE Cancellation 3 days notice
    4 Hour Trip, starts at 7:00 AM
    Seasonal trip (Sat, Sun)
    $660
    If time is not on your side but you have that need to wet a line, this 4-hour morning trip is perfect for you. Get out there early and still get back to the dock for the entire afternoon. Not to mention you'll have some fresh meat for the lunch.
  • Private trip
    4 Hour – Bottom/Trolling (PM)
    FREE Cancellation 3 days notice
    4 Hour Trip, starts at 1:30 PM
    Seasonal trip (Sat, Sun)
    $660
    Busy in the morning? Not a reason to skip the day of fishing. You can head out on the water, later in the afternoon, leaving the dock at 1:30 and still be able to catch a good bite.
  • Private trip
    5 Hour – Bottom/Trolling (AM)
    FREE Cancellation 3 days notice
    5 Hour Trip, starts at 7:00 AM
    Seasonal trip (Sat, Sun)
    $825
    This morning trip is a great opportunity to target multiple species, with bottom fishing and trolling. Catch the early bottom bite of Snapper and Grouper and switch to trolling for Mahi Mahi and Kingfish.
  • Private trip
    5 Hour – Bottom/Trolling (PM)
    FREE Cancellation 3 days notice
    5 Hour Trip, starts at 1:30 PM
    Seasonal trip (Sat, Sun)
    $825
    This half day is the perfect opportunity to target multiple species bottom and trolling. Catch the afternoon bottom bite of Snapper and Grouper and switch to trolling for Kings and Mahi Mahi near sunset in the late afternoon.
  • Private trip
    6 Hour Trip – Bottom/Trolling (AM)
    FREE Cancellation 3 days notice
    6 Hour Trip, starts at 7:00 AM
    Seasonal trip (Sat, Sun)
    $990
    This 3/4 day is the perfect opportunity to target multiple species bottom and trolling. Catch the morning bottom bite and switch to trolling for King and Mahi Mahi. A perfect amount of time to fish multiple species.
  • Private trip
    6 Hour Trip – Bottom/Trolling (PM)
    FREE Cancellation 3 days notice
    6 Hour Trip, starts at 2:00 PM
    Seasonal trip (Sat, Sun)
    $990
    This 3/4 day is the perfect opportunity to target multiple species bottom and trolling. Catch the late afternoon bottom bite and switch to trolling for King and Mahi Mahi. A perfect amount of time to fish multiple species.
  • Private trip
    8 Hour – Bottom/Trolling/Drift
    FREE Cancellation 3 days notice
    8 Hour Trip, starts at 7:00 AM
    Seasonal trip (Sat, Sun)
    $1,320
    Hardcore adventure! This full day is non-stop and you get the full experience. You'll have a chance to do it all - bottom fishing, drift fishing, hi-speed, and slow jigging and trolling. It's a full day so please bring food and drinks, and sunscreen!
There are 6 people looking at this charter.

About the Captain

Chris Florence
Panama City, Florida, United States
ID & License verified
103 Customer reviews
Response time within an hour
Member since January 2021
Angler's Choice
The Angler's Choice Award is given to listings that consistently deliver a high-quality service and earn great reviews from customers.
Born and raised in South Florida, fishing was a way of life. That's what we did, that's what we love. It's in our blood, I find extreme joy in sharing that experience with others. I've spent 20 years in the USAF and 10 of them have been in Panama City at Tyndall AFB. As I retire in the summer of 2021 I want to guide full time, share these memories with new and experienced anglers. All are welcome, Just "Say When"

About this listing

Targeted species

Amberjack Amberjack
Cobia Cobia
Dolphin (Mahi Mahi) Dolphin (Mahi Mahi)
Grouper (Black) Black Grouper

Boat specs

Sea Hunt (Center console) originally built in 2016. Powered by 2 200HP Yamaha engines, with a maximum cruising speed of 40 knots.

Length
27 ft
Capacity
4 persons

Types of fishing

Nearshore Fishing
Offshore Fishing
Up to 9 miles offshore
Reef Fishing
Hard live bottom
Wreck Fishing
Ship wrecks and man made submerged structures

Fishing techniques

Light Tackle
Heavy Tackle
Bottom Fishing
Trolling
Spinning
Jigging
Drift Fishing
Deep Sea Fishing

Amenities

GPS
Twin Garmin Chart plotters
Fishfinder
with side Scan
Live Bait Well
Wireless Trolling Motor
Outriggers
Ice Box
For food and drinks/ separate box for fish

Trip includes

Rods, reels & tackle
Live Bait
Pending Availability, Time of day & trip
Lures
Catch cleaning & filleting
Capt. Chris will clean/fillet all keepers
Drinks
Water will be provided
Fishing License
License provided, resident & non residents

Cancellation policy

Free cancellation up to 3 days prior to trip

You can cancel or modify your booking up to 3 days days before the trip date, free of charge. If you cancel or modify your booking later, or fail to show up, you'll forfeit 100% of what you've paid.

Listing policies

Pickup not included
Transfer to/from departure site is not included in trip rates.
Child Friendly
Please notify the Capt. of the child's age.
You Keep Catch
In season and legal size only
Catch and Release Allowed

Payment

Book with 10% deposit, pay rest to captain

When the captain confirms your trip, FishingBooker charges your credit card a 10% deposit to guarantee your reservation.

The remaining balance is to be paid directly to the charter operator on or prior to your trip date in one of the following payment methods:

Cash
Visa
Mastercard
American Express
When paying the remaining balance with a credit card, an additional 2.5% charge will apply.

Panama City Fishing Calendar

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Customer reviews

Rating Summary
Excellent
4.9 / 5
out of 5 stars from 103 reviews
Boat
Excellent
5.0 / 5
Crew
Excellent
5.0 / 5
Experience
Excellent
4.9 / 5
Photos & videos by reviewers (212)
November fishing trip
November fishing trip
November fishing trip
+209
Angler Rating
100
0
1
1
0
Anglers Claimed
Good experience
97%
Friendly captain
100%
Recommend this charter
97%
Appropriate for children
96%
Satisfied with the boat
100%
Catch intended fish
81%
Sort By:
Featured  
Showing:
5 of 103 reviews
Mark S.
Panama City, Florida
Excellent
5.0 / 5
Experience:
Excellent
5.0 / 5
Boat
Excellent
5.0 / 5
Crew
Excellent
5.0 / 5
Overall

Great Day!

VERIFIED   5 Hour – Bottom/Trolling (PM) on August 20, 2022
Capt Chris knows his stuff and had us on fish all day!  He worked hard on a hot day to insure the 4 of us had a great day. ...
Mark S. recommends Say When Charters
Mark review as helpful
You found this review helpful
  Chris Florence Captain replied

Otto D.
Portsmouth, VA
Excellent
5.0 / 5
Experience:
Excellent
5.0 / 5
Boat
Excellent
5.0 / 5
Crew
Excellent
5.0 / 5
Overall

5 hour red snapper fishing trip with Captain Chris

VERIFIED   5 Hour Trip – Red Snapper (AM) on June 23, 2022
The wife and I highly recommend Say When Charters and Capt. Chris. The boat was clean and well the quilt. Capt. Chris is personable...
Otto D. recommends Say When Charters
Mark review as helpful
You found this review helpful
  Chris Florence Captain replied

Kyle L.
Evansville, IN
Excellent
5.0 / 5
Experience:
Excellent
5.0 / 5
Boat
Excellent
5.0 / 5
Crew
Excellent
5.0 / 5
Overall

Half Day Trip With Captain Chris

VERIFIED   5 Hour – Bottom/Trolling (AM) on March 21, 2022
Chris is an amazing captain. The gear and the boat were top notch. We were on the fish the whole time we were out on the boat....
Kyle L. recommends Say When Charters
Mark review as helpful
2 persons find this review helpful
You and 2 people found this review helpful
  Chris Florence Captain replied

Charles W.
Callaway, FL
Excellent
5.0 / 5
Experience:
Excellent
5.0 / 5
Boat
Excellent
5.0 / 5
Crew
Excellent
5.0 / 5
Overall

Above and beyond

VERIFIED   6 Hour - Red Snapper (PM) on June 17, 2022
Capt Chris went above and beyond the call to make sure that we had a great time.  We had a 6-hour afternoon trip and we’re...
Charles W. recommends Say When Charters
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You found this review helpful
  Chris Florence Captain replied

ALBERT G.
Mars, PA
Excellent
5.0 / 5
Experience:
Excellent
5.0 / 5
Boat
Excellent
5.0 / 5
Crew
Excellent
5.0 / 5
Overall

8 hour trip

VERIFIED   8 Hour – Bottom/Trolling/Drift on August 3, 2022
Went out with Captain Chris on Wednesday the third. Captain Chris had us on fish all day and was quick to change up location/presentation...
ALBERT G. recommends Say When Charters
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1 person finds this review helpful
You and 1 other person found this review helpful
  Chris Florence Captain replied

FAQs about Say When Charters

Say When Charters offers the following trips to customers:
  • $450 per group - 3 Hour Trip – Inshore Bull Redfish (3 hours)
  • $660 per group - 4 Hour – Bottom/Trolling (AM) (4 hours)
  • $660 per group - 4 Hour – Bottom/Trolling (PM) (4 hours)
  • $825 per group - 5 Hour – Bottom/Trolling (AM) (5 hours)
  • $825 per group - 5 Hour – Bottom/Trolling (PM) (5 hours)
  • $990 per group - 6 Hour Trip – Bottom/Trolling (AM) (6 hours)
  • $990 per group - 6 Hour Trip – Bottom/Trolling (PM) (6 hours)
  • $1,320 per group - 8 Hour – Bottom/Trolling/Drift (8 hours)

When you book a trip with Say When Charters, you can expect the following amenities onboard:
  • GPS Twin Garmin Chart plotters
  • Fishfinder with side Scan
  • Live Bait Well
  • Wireless Trolling Motor
  • Outriggers
  • Ice Box For food and drinks/ separate box for fish
  • Radar 48 Nautical Mile

Trips booked with Say When Charters include:
  • Rods, reels & tackle
  • Live Bait (Pending Availability, Time of day & trip)
  • Lures
  • Catch cleaning & filleting (Capt. Chris will clean/fillet all keepers)
  • Drinks (Water will be provided)
  • Fishing License (License provided, resident & non residents )

Say When Charters offers the following types of fishing:
  • Nearshore Fishing
  • Offshore Fishing (Up to 9 miles offshore)
  • Reef Fishing (Hard live bottom)
  • Wreck Fishing (Ship wrecks and man made submerged structures )

Say When Charters offers the following fishing techniques:
  • Light Tackle
  • Heavy Tackle
  • Bottom Fishing
  • Trolling
  • Spinning
  • Jigging
  • Drift Fishing
  • Deep Sea Fishing

Top targeted fish species with Say When Charters include:
  • Amberjack
  • Cobia
  • Dolphin (Mahi Mahi)
  • Grouper (Black)
  • Grouper (Red)
  • Grouper (Scamp)
  • King Mackerel (Kingfish)
  • Snapper (Mangrove)
  • Snapper (Red)
  • Snapper (Vermilion)
  • Tuna (Blackfin)