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
    8 Hour – Bottom/Trolling/Drift
    FREE Cancellation 3 days notice
    8 Hour Trip, starts at 7:00 AM
    Seasonal trip Sep 10 - Oct 31
    $1,300
    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!
  • Private trip
    5 Hour – Bottom/Trolling (AM)
    FREE Cancellation 3 days notice
    5 Hour Trip, starts at 7:00 AM
    $750
    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 1:00 PM
    $750
    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
    Shark Fishing (NIGHT)
    FREE Cancellation 3 days notice
    4 Hour Trip, starts at 6:00 PM
    Seasonal trip (Mon, Tue, Wed, Thu, Fri)
    $700
    Late evening into the night, fish the calm waters of the bay and catch a few different species of sharks and rays.
  • Private trip
    4 Hour – Bottom/Trolling (AM)
    FREE Cancellation 3 days notice
    4 Hour Trip, starts at 7:30 AM
    $600
    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 1:00 PM
    $600
    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.

About the Captain

Chris Florence
Panama City, Florida, United States
ID & License verified
56 Customer Reviews
Response time within an hour
Member since January 2021
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

Grouper (Red) Red Grouper
Grouper (Scamp) Scamp Grouper
King Mackerel (Kingfish) King Mackerel (Kingfish)
Snapper (Mangrove) Mangrove Snapper

Snapper (Red) Red Snapper
Snapper (Vermilion) Vermilion Snapper
Tuna (Blackfin) Blackfin Tuna

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
Reef Fishing
Wreck Fishing

Fishing Techniques

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

Amenities

GPS
Fishfinder
Live Bait Well
Outriggers
Ice Box
GPS
Fishfinder
Live Bait Well
Outriggers
Ice Box

Trip Includes

Rods, reels & tackle
Live Bait
Lures
Drinks
Fishing License

Cancellation Policy

Free cancellation up to 3 days prior to trip

Customers can cancel or modify their booking up to 3 days before the trip date free of charge. If the trip is canceled or modified later, or in the event of a no-show, 100% of the deposit will be charged.

Listing Policies

Pickup not included
Transfer to/from departure site is not included in trip rates.
Child Friendly
You Keep Catch
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
Photos & videos by reviewers (72)
5.0
Excellent Excellent Excellent Excellent Excellent
out of 5 stars from 56 reviews
Boat
Excellent Excellent Excellent Excellent Excellent
Crew
Excellent Excellent Excellent Excellent Excellent
Experience
Excellent Excellent Excellent Excellent Excellent
Half a day trip with captain Chris
Half a day trip with captain Chris
Half a day trip with captain Chris
+69
Angler Rating
54
0
1
0
0
Anglers Claimed
Good experience
98%
Friendly captain
100%
Recommend this charter
96%
Appropriate for children
96%
Satisfied with the boat
100%
Catch intended fish
80%
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Showing:
5 of 56 reviews
Jessica R.
Orlando, Florida
Excellent Excellent Excellent Excellent Excellent  5.0
Experience:
Excellent Excellent Excellent Excellent Excellent Boat
Excellent Excellent Excellent Excellent Excellent Crew
Excellent Excellent Excellent Excellent Excellent Overall

4 hr AM bottom/trolling with Capt. Chris

VERIFIED   4 Hour – Bottom/Trolling (AM) on July 11, 2021
Capt. Chris was amazing. Our group of 4 went out for my husband’s birthday and unfortunately my husband ended up sick the...
Jessica R. recommends Say When Charters
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You found this helpful
  Chris Florence Captain replied

Kasha M.
Auburn, AL
Excellent Excellent Excellent Excellent Excellent  5.0
Experience:
Excellent Excellent Excellent Excellent Excellent Boat
Excellent Excellent Excellent Excellent Excellent Crew
Excellent Excellent Excellent Excellent Excellent Overall

4hr. Red Snapper Assassin

VERIFIED   4 Hour – Red Snapper Assassin (AM) on June 15, 2021
This was our first time Captain Chris was so nice and friendly from the beginning, he answered all my questions before the...
Kasha M. recommends Say When Charters
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You found this helpful
  Chris Florence Captain replied

James S.
United States
Excellent Excellent Excellent Excellent Excellent  5.0
Experience:
Excellent Excellent Excellent Excellent Excellent Boat
Excellent Excellent Excellent Excellent Excellent Crew
Excellent Excellent Excellent Excellent Excellent Overall

Fun time with Capt Chris

VERIFIED   4 Hour – Red Snapper Assassin (PM) on July 1, 2021
My GF and her two kids (12 & 17) and myself had a great time riding the boat and fishing. The weather had the fish turned off...
James S. recommends Say When Charters
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You found this helpful
  Chris Florence Captain replied

Stephen H.
Hoschton, GA
Excellent Excellent Excellent Excellent Excellent  5.0
Experience:
Excellent Excellent Excellent Excellent Excellent Boat
Excellent Excellent Excellent Excellent Excellent Crew
Excellent Excellent Excellent Excellent Excellent Overall

Morning Half Snapper Fishing

VERIFIED   4 Hour – Red Snapper Assassin (AM) on June 28, 2021
Caption Chris was amazing.  Very knowledgeable, great boat, and good conversation.  Took the family of 5 out for some...
Stephen H. recommends Say When Charters
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  Chris Florence Captain replied

Mike R.
United States
Excellent Excellent Excellent Excellent Excellent  5.0
Experience:
Excellent Excellent Excellent Excellent Excellent Boat
Excellent Excellent Excellent Excellent Excellent Crew
Excellent Excellent Excellent Excellent Excellent Overall

5 hour fishing trip

VERIFIED   NEW  5 Hour – Bottom/Trolling (PM) on November 17, 2021
Captain Chris was awesome and was quick to keep our gear in operation and baited.  He found some great spots and was very...
Mike R. recommends Say When Charters
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FAQs about Say When Charters

Say When Charters offers the following trips to customers:
  • $600 per group - 4 Hour – Bottom/Trolling (AM) (4 hours)
  • $600 per group - 4 Hour – Bottom/Trolling (PM) (4 hours)
  • $700 per group - Shark Fishing (NIGHT) (4 hours)
  • $750 per group - 5 Hour – Bottom/Trolling (AM) (5 hours)
  • $750 per group - 5 Hour – Bottom/Trolling (PM) (5 hours)
  • $1,300 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
  • Outriggers
  • Ice Box (For food and drinks/ separate box for fish)

Trips booked with Say When Charters include:
  • Rods, reels & tackle
  • Live Bait (If available )
  • Lures
  • 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)