525 E 6th St, Panama City, FL 32401 Property Records

Bay County property record for 525 E 6th St, Panama City, FL 32401

Property Summary

Property Type	Commercial Vacant Land
Details	3,844 sqft · built 1963
Lot Size	0.598 acres (26,048 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,111 (2025)
Deeds & Mortgages	Aug 2026 Sale Jul 2023 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`20164-000-000`

Property Details

APN / Parcel Number

Primary APN	`20164-000-000`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,844 sqft Total Area
Gross Area	4,708 sqft
1st Floor Area	2,480 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	26,048 sqft (0.598 acres)
Lot Dimensions	200 ft deep x 120 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	525 E 6TH ST
City	PANAMA CITY
State	FL
Zip	32401-3047
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	PC09
Legal Description	9 4S 14W-10-37B BEG 10 E OF BLK 1 BAY IMP CO PLAT ON N LI HWY 98 TH N 200 E 120 S 50 E 5 S 150 W 125 TO BEG ORB 1702 P 1547
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	BAY IMP CO PLAT
Legal Block	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2051
Census Tract	1600

Owner

525 E 6th St, commercial vacant land, is owned by two individuals.

Source: Bay County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1707 PALMETTO AVE, PANAMA CITY, FL 32401-1021
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 10, 2023	Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Aug 12, 2026
Property Address	525 E 6TH ST, PANAMA CITY, FL 32401-3047
Document Number	0000049517
Book / Page	5066 / 2293
Instrument Date	Aug 11, 2026
Instrument	202649517
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 PALMETTO AVE, PANAMA CITY, FL 32401-1021

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	525 E 6TH ST, PANAMA CITY, FL 32401-3047
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 PALMETTO AVE, PANAMA CITY, FL 32401-1021

Mortgage

Document Number	0047071303
Date	Jul 10, 2023
Book Page	4707/1303
Instrument	2023042446

Lender

Name	CADENCE BANK NA
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 525 E 6th St was $2,111.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,111.00	$132,116 Land $130,244 Building $1,872	$132,116 Land $130,244 Building $1,872
2023	$2,315.00 (+5.71%)	$132,116 (+0.9%) Land $130,244 Building $1,872	$132,116 (+0.9%) Land $130,244 Building $1,872
2022	$2,190.00	$130,935 Land $117,219 Building $13,716	$130,935 Land $117,219 Building $13,716

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 525 E 6th St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (2008–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 4 claims

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

Wildfire risk around 525 E 6th 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 98% of the US · lower than 97.6% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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