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

Bay County property record for 544 E 6th St, Panama City, FL 32401

Property Summary

Property Type	Commercial Vacant Land
Details	7,518 sqft · built 1955
Lot Size	0.469 acres (20,429 sqft)
Owner	Company Name on File
Last Sale	$75,000 (Mar 2022)
Tax Bill	$1,033 (2025)
Deeds & Mortgages	Mar 2022 Sale Aug 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`20446-000-000`

Property Details

APN / Parcel Number

Primary APN	`20446-000-000`

Interior

Total Rooms	9 Rooms
Stories	1 Story
Building Area	7,518 sqft Gross Area
1st Floor Area	7,518 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	20,429 sqft (0.469 acres)
Lot Dimensions	102 ft deep x 120 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	544 E 6TH ST
City	PANAMA CITY
State	FL
Zip	32401-3066
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	PC09
Legal Description	SUDDUTHS 1ST ADD BEG NW COR L 6 TH S 54.64 W 49.87 W & NW ALONG RET WALL 157 TO R/W NE 156.53 SE 141.16 S 48.10 W 49.20 TO POB BEING PORTIONS OF LOTS 2, 3, 4, 5, 11, & 12 BLK 7A ORB 4533 P 1724
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	7A
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4007
Census Tract	1900

Owner

544 E 6th St, commercial vacant land, is owned by a company that bought it in March 2022.

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

Owner of Record	Company Name on File
Mailing Address	5757 SMITH RD, WEWAHITCHKA, FL 32465-5345
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 8, 2022	Warranty Deed, Transfer SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE
Aug 21, 2018	Deed of Trust, Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2022 · Amount on File
Deed Sale	Mar 8, 2022 · Amount on File
Deed Document Number	202216907
Deed Book / Page	4533 / 1724
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 8, 2022
Property Address	544 E 6TH ST, PANAMA CITY, FL 32401-3066
Document Number	0045331724
Book / Page	4533 / 1724
Instrument Date	Mar 4, 2022
Instrument	2022016907
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE

Transaction

Amount	Amount on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4058 CURLEW DR, 4058, PENSACOLA, FL 32514-8081

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5757 SMITH RD, WEWAHITCHKA, FL 32465-5345

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	544 E 6TH ST, PANAMA CITY, FL 32401-3066
Document Number	0040401375
Instrument Date	Aug 21, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	544 E 6TH ST PANAMA CITY BEACH FL 324013066, PANAMA CITY BEACH, FL 32401-3066

Mortgage

Document Number	0040401375
Date	Aug 22, 2018
Book Page	004040/001375
Instrument	50518

Lender

Name	SMARTBANK
Type	Bank
Address	LYNN HAVEN, FL 32444

Agreement

Amount	Amount on Record

Interest

Rate	2%

Tax Assessment & Valuation

The 2025 property tax bill for 544 E 6th St was $1,033, down 2.2% 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	$1,033.00 (-2.18%)	$65,419 (-) Land $61,419 Building $4,000	$65,419 (-) Land $61,419 Building $4,000
2024	$1,056.00 (-15.32%)	$65,419 (-) Land $61,419 Building $4,000	$65,419 (-) Land $61,419 Building $4,000
2023	$1,247.00 (-9.38%)	$65,419 (-15.81%) Land $61,419 Building $4,000	$65,419 (-15.81%) Land $61,419 Building $4,000
2022	$1,376.00	$77,702 Land $73,702 Building $4,000	$77,702 Land $73,702 Building $4,000

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

Flood

FEMA maps place 544 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 544 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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