Bay County property record for 301 Cherry St, Panama City, FL 32401
| Property Type | Restaurant |
|---|---|
| Details | 1,821 sqft · built 1964 |
| Lot Size | 0.155 acres (6,751 sqft) |
| Owner | Company Name on File |
| Last Sale | $220,000 (May 2024) |
| Tax Bill | $2,838 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20325-000-000 |
| Primary APN | 20325-000-000 |
|---|
| Total Rooms | 4 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,821 sqft Gross Area |
| 1st Floor Area | 1,821 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 6,751 sqft (0.155 acres) |
| Lot Dimensions | 128 ft deep x 53 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 301 CHERRY ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3253 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | PC07 |
| Legal Description | HARMON PLAT LOT 5 LESS E 111.75 BLK 9 ORB 4801 P 1390 MAP 105C3 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | HARMON PLAT |
| Legal Block | 9 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 1900 |
301 Cherry St, a commercial property, is owned by a company that bought it in May 2024.
Source: Bay County records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 301 CHERRY ST, PANAMA CITY, FL 32401-3253 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2024 · Amount on File |
| Deed Sale | May 14, 2024 · Amount on File |
| Prior Sale | Mar 20, 2008 |
| Deed Document Number | 202428045 |
| Deed Book / Page | 4801 / 1390 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 301 Cherry St was $2,838, up 28.4% 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 | $2,838.00 (+28.36%) | $179,702 Land $33,920 Building $145,782 | $179,702 Land $33,920 Building $145,782 |
| 2024 | $2,211.00 (+26.49%) | ||
| 2023 | $1,748.00 (+12.56%) | $92,687 (+6.93%) Land $33,920 Building $58,767 | $92,687 (+6.93%) Land $33,920 Building $58,767 |
| 2022 | $1,553.00 | $86,684 Land $27,136 Building $59,548 | $86,684 Land $27,136 Building $59,548 |
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 301 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 38 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 184 units insured incl. 146 condo units |
| Nearby Flood Claims | 75 (1982–2018) |
| Claims Outside the SFHA | 41 of 75 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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 301 Cherry St is low, with 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 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | 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 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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