Bay County property record for 1908 Cherry St, Panama City, FL 32401 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,752 sqft · built 1952 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $948 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 21867-000-000 |
| Primary APN | 21867-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| 1st Floor Area | 1,648 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 546 sqft |
| Carport | Carport |
| Carport Area | 546 sqft |
| Driveway | Driveway |
| Driveway Area | 840 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 182 sqft |
| Deck Area | 220 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1908 CHERRY ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVE TERRACE 2ND ADD LOT 9 BLK 88A ORB 1435 P 1392 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | COVE TERRACE 2ND ADD |
| Legal Block | 88A |
| Legal Lot Number | 9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 1900 |
Source: Bay County records · APN 21867-000-000
Assessment roll updated January 5, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1908 CHERRY ST, PANAMA CITY, FL 32401-4022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | May 14, 2025 |
| Transfer Doc | 0049122031 |
| Record Updated | Jun 08, 2026 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $948.00 (-10.4%) Homeowner's exemption | $102,058 (+5.99%) | $220,352 (+18.3%) Land $52,875 Building $167,477 |
| 2024 | $1,058.00 (-11.61%) | ||
| 2023 | $1,197.00 (-0.42%) Homeowner's exemption | $96,293 (+3%) | $186,263 (+10.45%) Land $47,475 Building $138,788 |
| 2022 | $1,202.00 Homeowner's exemption | $93,488 | $168,646 Land $42,000 Building $126,646 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050019003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 64 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 64 in force |
| Nearby Flood Claims | 40 (1994–2021) |
| Claims Outside the SFHA | 25 of 40 |
| Most Recent Claim | Oct 2021, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 143 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone | Cable | 1,200 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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