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

Bay County property record for 605 E 6th St, Panama City, FL 32401

Property Summary

Property Type	Retail Store
Details	2,400 sqft · built 1967
Lot Size	0.312 acres (13,590 sqft)
Owner	Company Name on File
Last Sale	$25,000 (Sep 2007)
Tax Bill	$1,377 (2025)
Deeds & Mortgages	Dec 2025 Transfer Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20394-000-000`

Property Details

APN / Parcel Number

Primary APN	`20394-000-000`

Interior

Total Rooms	8 Rooms
Units	4 Units
Stories	1 Story
Building Area	2,400 sqft Gross Area
1st Floor Area	2,400 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Prestressed Concrete
Roof Material	Composition Shingle
Lot Area	13,590 sqft (0.312 acres)
Lot Dimensions	139 ft deep x 98 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	605 E 6TH ST
City	PANAMA CITY
State	FL
Zip	32401-3675
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PC04
Legal Description	SUDDUTHS 1ST ADD LOTS 2 & 3 BLK 5A ORB 1998 P 109 MAP 105C2
Legal Range	14W
Legal Township	04S
Legal Section	09
Legal Subdivision	SUDDUTHS 1ST ADD
Legal Block	5A
Legal Lot Number	2,3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2049
Census Tract	1600

Owner

605 E 6th St, a commercial property, is owned by a company that acquired it in December 2025.

Source: Bay County records, as of January 5, 2026

Owner of Record	Company Name on File
Mailing Address	605 E 6TH ST, PANAMA CITY, FL 32401-3675
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Quit Claim Deed, Transfer Quitclaim
Mar 25, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
May 30, 2019	Loan Modification, Mortgage TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2007 · Amount on File
Deed Sale	Sep 26, 2007 · Amount on File
Prior Sale	Jan 11, 2001 · Amount on File
Deed Document Number	200766183
Deed Book / Page	2978 / 873
Last Transfer Date	Dec 16, 2025
Transfer Doc	0049840899
Record Updated	Sep 20, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Dec 16, 2025
Property Address	605 E 6TH ST, PANAMA CITY, FL 32401-3675
Document Number	0049840899
Book / Page	4984 / 899
Map Reference	MB 1 PG 30
Instrument Date	Dec 16, 2025
Instrument	2025073486
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 E 6TH ST, PANAMA CITY, FL 32401-3675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 E 6TH ST, PANAMA CITY, FL 32401-3675

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	605 E 6TH ST, PANAMA CITY, FL 32401-3675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041040837
Date	Mar 25, 2019
Book Page	4104/0837
Instrument	2019030741

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	178 Months
Due	Jan 28, 2034

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	605 E 6TH ST, PANAMA CITY, FL 32401-3675
Document Number	0041330665
Instrument Date	May 30, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 E 6TH ST PANAMA CITY BEACH FL 32401, PANAMA CITY BEACH, FL 32401

Mortgage

Document Number	0041330665
Date	Jun 11, 2019
Book Page	004133/000665
Instrument	54841

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY BEACH, FL 32401

Agreement

Term	60 Months
Due	Jun 10, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 605 E 6th St was $1,377, down 13.1% 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	$1,377.00 (-13.12%)	$81,204 (-17.91%)	$98,927 (+%) Land $68,110 Building $30,817
2024	$1,585.00 (+6.45%)	$98,925 (+0.41%) Land $68,110 Building $30,815	$98,925 (+0.41%) Land $68,110 Building $30,815
2023	$1,489.00 (+14.63%)	$98,520 (+16.05%) Land $68,110 Building $30,410	$98,520 (+16.05%) Land $68,110 Building $30,410
2022	$1,299.00	$84,898 Land $54,488 Building $30,410	$84,898 Land $54,488 Building $30,410

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

Flood

FEMA maps place 605 E 6th 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
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 605 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 99.1% of the US · lower than 98.7% 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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