Bay County property record for 1909 Cherry St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 932 sqft · built 1950 |
| Lot Size | 0.269 acres (11,717 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,793 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Oct 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21876-000-000 |
| Primary APN | 21876-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 932 sqft Living Area |
| Gross Area | 1,196 sqft |
| 1st Floor Area | 932 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,717 sqft (0.269 acres) |
| Lot Dimensions | 175 ft deep x 67 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Driveway | Driveway |
| Driveway Area | 120 sqft |
| Porch | Open Porch |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1909 CHERRY ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | COVE TERRACE 2ND ADD LOT 8 BLK 89 ORB 4736 P 2132 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | COVE TERRACE 2ND ADD |
| Legal Block | 89 |
| Legal Lot Number | 8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 1900 |
1909 Cherry St is owned by a company that acquired it in February 2020.
Source: Bay County records, as of October 9, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 628 YORKTOWN DR, LEESBURG, FL 34748-9264 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 3, 2023 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 3, 2023 | Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 26, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 17, 2020 |
| Transfer Doc | 0042361467 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 3, 2023 |
| Property Address | 1909 CHERRY ST, PANAMA CITY, FL 32401-4021 |
| Document Number | 0047362127 |
| Book / Page | 4736 / 2127 |
| Map Reference | MB 7 PG 57 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023062810 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1708 PINE AVE, NICEVILLE, FL 32578-3399 |
| Name | Verified Name |
|---|---|
| Address | 628 YORKTOWN DR, LEESBURG, FL 34748-9264 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 3, 2023 |
| Property Address | 1909 CHERRY ST, PANAMA CITY, FL 32401-4021 |
| Document Number | 0047362132 |
| Book / Page | 4736 / 2132 |
| Map Reference | MB 7 PG 57 |
| Instrument Date | Aug 3, 2023 |
| Instrument | 2023062812 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 628 YORKTOWN DR, LEESBURG, FL 34748-9264 |
| Name | Verified Name |
|---|---|
| Address | 628 YORKTOWN DR, LEESBURG, FL 34748-9264 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 26, 2020 |
| Property Address | 1909 CHERRY ST, PANAMA CITY, FL 32401-4021 |
| Document Number | 0042361467 |
| Book / Page | 004236 / 001467 |
| Instrument Date | Feb 17, 2020 |
| Instrument | 22117 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 628 YORKTOWN DR LEESBURG FL 347489264, LEESBURG, FL 34748-9264 |
The 2025 property tax bill for 1909 Cherry St was $1,793, down 11.7% 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 | $1,793.00 (-11.67%) | $113,542 Land $49,597 Building $63,945 | $113,542 Land $49,597 Building $63,945 |
| 2024 | $2,030.00 (+28.97%) | ||
| 2023 | $1,574.00 (+22.11%) | $97,310 (+40.87%) Land $44,531 Building $52,779 | $97,310 (+40.87%) Land $44,531 Building $52,779 |
| 2022 | $1,289.00 | $69,080 Land $39,396 Building $29,684 | $69,080 Land $39,396 Building $29,684 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1909 Cherry St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 10 (1995–2020) |
| Claims Outside the SFHA | 4 of 10 |
| 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.
Wildfire risk around 1909 Cherry St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 143 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 | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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