Bay County property record for 2605 E 6th St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,572 sqft · built 1939 |
| Lot Size | 0.313 acres (13,634 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $70,000 (Oct 2007) |
| Tax Bill | $560 (2025) |
| Deeds & Mortgages | Jan 2018 Loan Modification Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22243-000-000 |
| Primary APN | 22243-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,572 sqft Living Area |
| 1st Floor Area | 1,572 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,634 sqft (0.313 acres) |
| Lot Dimensions | 210 ft deep x 61 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Unfinished Open Porch |
| Porch Area | 117 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2605 E 6TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-5201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC03 |
| Legal Description | 10 4S 14W -13- 81A BEG AT PT ON LASH ST PINECREST ADD 233.5 W OF E SEC LI TH N 210 W 61.5 S 210 E 61.5 TO POB ORB 3112 P 1978 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 10 |
| Legal Subdivision | PINECREST ADD |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 1700 |
2605 E 6th St is owned and occupied by two individuals who acquired it in November 2008.
Source: Bay County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2605 E 6TH ST, PANAMA CITY, FL 32401-5201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 24, 2018 | Loan Modification, Mortgage MIDFIRST BK |
| Jan 24, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2007 · Amount on File |
| Deed Sale | Oct 23, 2007 · Amount on File |
| Deed Document Number | 200773025 |
| Deed Book / Page | 2987 / 2092 |
| Last Transfer Date | Nov 21, 2008 |
| Transfer Doc | 0031121978 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2605 E 6TH ST, PANAMA CITY, FL 32401-5201 |
| Document Number | 0039801578 |
| Instrument Date | Jan 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2605 E 6TH ST PANAMA CITY BEACH FL 324015201, PANAMA CITY BEACH, FL 32401-5201 |
| Document Number | 0039801578 |
|---|---|
| Date | Feb 19, 2018 |
| Book Page | 003980/001578 |
| Instrument | 9256 |
| Name | MIDFIRST BK |
|---|---|
| Type | Federal Savings Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 18, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2605 E 6TH ST, PANAMA CITY, FL 32401-5201 |
| Document Number | 0039792045 |
| Instrument Date | Jan 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2605 E 6TH ST PANAMA CITY BEACH FL 324015201, PANAMA CITY BEACH, FL 32401-5201 |
| Document Number | 0039792045 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 003979/002045 |
| Instrument | 8691 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 14, 2048 |
The 2025 property tax bill for 2605 E 6th St was $560, up 2.9% 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 | $560.00 (+2.94%) Homeowner's exemption | $52,900 | $68,429 Land $22,815 Building $45,614 |
| 2024 | $544.00 (+6.67%) | ||
| 2023 | $510.00 (+127.68%) Homeowner's exemption | $48,587 (+109.13%) | $57,213 (+136.95%) Land $14,493 Building $42,720 |
| 2022 | $224.00 Homeowner's exemption | $23,233 | $24,146 Land $13,505 Building $10,641 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2605 E 6th St in Zone X, an area of minimal flood risk, within 100 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 100 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 2605 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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