Bay County property record for 5906 E 7th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,248 sqft · built 2006 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $81,000 (Dec 2013) |
| Tax Bill | $817 (2025) |
| Deeds & Mortgages | May 2022 Mortgage May 2019 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 06384-000-000 |
| Primary APN | 06384-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,248 sqft Heated Area |
| Gross Area | 2,071 sqft |
| 1st Floor Area | 1,248 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 120 ft deep x 62 ft wide |
| Garage Area | 525 sqft |
| Driveway | Driveway |
| Driveway Area | 700 sqft |
| Porch | Porch |
| Porch Area | 298 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 5906 E 7TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-6142 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | WEBBS 1ST ADD TO CALLAWAY W 7.5' OF LOT 3 & E 55' LOT 2 BLK 2 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 07 |
| Legal Subdivision | CALLAWAY |
| Legal Block | 2 |
| Legal Lot Number | 2,3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 803 |
The current owner of 5906 E 7th St bought it in December 2013.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 5906 E 7TH ST, PANAMA CITY, FL 32404-6142 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| May 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| May 13, 2019 | Loan Modification, Mortgage · Conventional Mortgage MATRIX FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2013 · Amount on File |
| Deed Sale | Dec 9, 2013 · Amount on File |
| Prior Sale | Aug 20, 2013 |
| Deed Document Number | 2013072412 |
| Deed Book / Page | 3569 / 2233 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 5906 E 7TH ST, PANAMA CITY, FL 32404-6142 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5906 E 7TH ST 2, 2, PANAMA CITY, FL 32404-6142 |
| Document Number | 0045590585 |
|---|---|
| Date | May 4, 2022 |
| Book Page | 4559/585 |
| Instrument | 2022033505 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | WARREN, MI 48090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 5906 E 7TH ST, PANAMA CITY, FL 32404-6142 |
| Document Number | 0041400407 |
| Instrument Date | May 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5906 E 7TH ST PANAMA CITY FL 324046142, PANAMA CITY, FL 32404-6142 |
| Document Number | 0041400407 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 004140/000407 |
| Instrument | 60331 |
| Name | MATRIX FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | MINNETONKA, MN 55305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 30, 2044 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 5906 E 7th St was $817 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $817.00 Homeowner's exemption | $105,708 | $126,980 Land $16,145 Building $110,835 |
| 2023 | $812.00 (+11.39%) Homeowner's exemption | $100,770 (+3%) | $113,411 (+9.78%) Land $14,991 Building $98,420 |
| 2022 | $729.00 Homeowner's exemption | $97,835 | $103,305 Land $13,261 Building $90,044 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5906 E 7th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 41 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 14 (1995–2022) |
| Claims Outside the SFHA | 12 of 14 |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
| 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 5906 E 7th St is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 111 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 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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