Bay County property record for 2541 E 6th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,012 sqft · built 1932 |
| Lot Size | 0.449 acres (19,558 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100 (Jun 2017) |
| Tax Bill | $826 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage Mar 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 22254-000-000 |
| Primary APN | 22254-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,012 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 19,558 sqft (0.449 acres) |
| Lot Dimensions | 392 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2541 E 6TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | 10 4S 14W -23- 81A BEG ON N LI OF LASH ST 519 W OF E LI OF SEC 10 TH N 392 W 50 S 392 E 50 TO BEG ORB 3924 P 1690 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 1700 |
2541 E 6th St is owned by an individual who acquired it in June 2017.
Source: Bay County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2531 E 6TH ST, PANAMA CITY, FL 32401-4718 |
| Owner Type | Individual |
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 |
|---|---|
| Jan 22, 2019 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Mar 18, 2019 | Loan Modification, Mortgage · Line of Credit US SMALL BUSN ADMN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2017 · Amount on File |
| Deed Sale | Jun 1, 2017 · Amount on File |
| Deed Book / Page | 3924 / 1690 |
| Last Transfer Date | Jun 22, 2017 |
| Transfer Doc | 0039241690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2541 E 6TH ST, PANAMA CITY, FL 32401-4718 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040810707 |
|---|---|
| Date | Jan 22, 2019 |
| Book Page | 4081/0707 |
| Instrument | 2019007998 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 20, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2541 E 6TH ST, PANAMA CITY, FL 32401-4718 |
| Document Number | 0041040935 |
| Instrument Date | Mar 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2541 E 6TH ST PANAMA CITY BEACH FL 324014718, PANAMA CITY BEACH, FL 32401-4718 |
| Document Number | 0041040935 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 004104/000935 |
| Instrument | 30792 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 24, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2541 E 6th St was $826, down 21% 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 | $826.00 (-20.96%) | $52,038 | $52,950 Land $19,175 Building $33,775 |
| 2024 | $1,045.00 (+541.1%) | ||
| 2023 | $163.00 (-35.57%) Homeowner's exemption | $19,783 (+3%) | $44,534 (+9.84%) Land $12,980 Building $31,554 |
| 2022 | $253.00 Homeowner's exemption | $19,207 | $40,544 Land $12,095 Building $28,449 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2541 E 6th 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 16 (1999–2024) |
| Claims Outside the SFHA | 12 of 16 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 2541 E 6th St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 318 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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