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

Bay County property record for 540 E 6th St, Panama City, FL 32401

Property Summary

Property Type	Retail Store
Details	4,521 sqft · built 2020
Lot Size	0.563 acres (24,524 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Jul 2020)
Tax Bill	$6,138 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`20447-010-000`

Property Details

APN / Parcel Number

Primary APN	`20447-010-000`

Interior

Total Rooms	5 Rooms
Stories	1 Story
Building Area	4,521 sqft Gross Area
1st Floor Area	4,521 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Gambrel
Roof Material	Metal
Lot Area	24,524 sqft (0.563 acres)
Lot Dimensions	186 ft deep x 132 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 E 6TH ST
City	PANAMA CITY
State	FL
Zip	32401-3025
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC09
Legal Description	SUDDUTHS 1ST ADD. BEG 184.61 ELY FROM INTERSEC E LI OF E1/2 OF NW1/4 NW1/4 & S R/W 6TH ST TH CONT ELY ALG R/W 216.58 TO W R/W MASSALINA DR SWLY ALG R/W 210.88 W 48.67 N 156.75 TO POB BEING PART OF LOTS 1, 2 & 3 BLK 8 ORB 4276 P 698
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	8
Legal Lot Number	1
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4008
Census Tract	1900

Owner

540 E 6th St, a commercial property, is owned by a company that bought it in July 2020.

Source: Bay County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	540 E 6TH ST, PANAMA CITY, FL 32401-3025
Owner Type	Company
Vesting	Limited Liability Company

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
Mar 30, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Jul 20, 2020	Quit Claim Deed, Transfer CHARLES BONHAM
May 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on File
Deed Sale	Jul 20, 2020 · Amount on File
Prior Sale	May 1, 2017 · Amount on File
Deed Document Number	202047121
Deed Book / Page	4276 / 698
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	540 E 6TH ST, PANAMA CITY, FL 32401-3025
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 E 6TH ST, PANAMA CITY, FL 32401-3025

Mortgage

Document Number	0043830423
Date	Mar 30, 2021
Book Page	4383/423
Instrument	2021022872

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 20, 2020
Property Address	540 E 6TH ST, PANAMA CITY, FL 32401-3025
Document Number	0042760698
Book / Page	004276 / 000698
Instrument Date	Jul 20, 2020
Instrument	47121
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	540 E 6TH ST PANAMA CITY BEACH FL 324013025, PANAMA CITY BEACH, FL 32401-3025

Mortgage

Document Number	42760710
Date	Jul 20, 2020
Book Page	004276/000710
Instrument	47122

Lender

Name	CHARLES BONHAM
Address	PANAMA CITY BEACH, FL 32401

Agreement

Amount	Amount on Record

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	May 3, 2017
Property Address	540 E 6TH ST, PANAMA CITY, FL 32401-3025
Document Number	0038971468
Book / Page	003897 / 001468
Instrument Date	May 2, 2017
Instrument	25104
Transaction Type	Transfer
Record Updated	Jun 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1413 DEER AVE PANAMA CITY BEACH FL 324011350, PANAMA CITY BEACH, FL 32401-1350

Tax Assessment & Valuation

The 2025 property tax bill for 540 E 6th St was $6,138, down 6.8% from the year before.

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	$6,138.00 (-6.8%)	$388,660 Land $122,760 Building $265,900	$388,660 Land $122,760 Building $265,900
2024	$6,586.00 (-3.92%)
2023	$6,855.00 (+8.9%)	$390,375 (+3.05%) Land $122,760 Building $267,615	$390,375 (+3.05%) Land $122,760 Building $267,615
2022	$6,295.00	$378,822 Land $110,484 Building $268,338	$378,822 Land $110,484 Building $268,338

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

Flood

FEMA maps place 540 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
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	14 (1985–2021)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Sep 2021 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 7 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 540 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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