6123 Wallace Rd, Panama City, FL 32404 Property Records

Bay County property record for 6123 Wallace Rd, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,505 sqft · built 2021
Lot Size	0.398 acres (17,337 sqft)
Owner	Individual Name on Record
Last Sale	$27,000 (Jul 2019)
Tax Bill	$4,132 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`07348-002-000`

Property Details

APN / Parcel Number

Primary APN	`07348-002-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,505 sqft Heated Area
Gross Area	3,445 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,337 sqft (0.398 acres)
Lot Dimensions	177 ft deep x 98 ft wide
Driveway	Driveway
Driveway Area	260 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	6123 WALLACE RD
City	PANAMA CITY
State	FL
Zip	32404-8727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLWY21
Legal Description	EAST BAY PARK 2ND ADD LOT 20 BLK 2 ORB 4151 P 183
Legal Range	13W
Legal Township	04S
Legal Section	19
Legal Subdivision	EAST BAY PARK 2ND
Legal Block	2
Legal Lot Number	20
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1001
Census Tract	806

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6123 WALLACE RD, PANAMA CITY, FL 32404-8727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK
Jul 31, 2019	Warranty Deed, Transfer · Conventional Mortgage ALL IN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2019 · Amount on Record
Deed Sale	Jul 31, 2019 · Amount on Record
Prior Sale	Apr 8, 2008 · Amount on Record
Deed Document Number	2019069112
Deed Book / Page	4151 / 0183
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	6123 WALLACE RD, PANAMA CITY, FL 32404-8727
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	KNIGHT BARRY TITLE SLN INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043251097
Date	Nov 17, 2020
Book Page	4325/1097
Instrument	2020077621

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 31, 2019
Property Address	6123 WALLACE RD, PANAMA CITY, FL 32404-8727
Document Number	0041510183
Book / Page	4151 / 0183
Map Reference	MB 8 PG 94
Instrument Date	Jul 25, 2019
Instrument	2019069112
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	519 KENTUCKY AVE, 519, LYNN HAVEN, FL 32444-1651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6504 PRIDGEN ST, PANAMA CITY, FL 32404-8354

Mortgage

Document Number	0004151184
Date	Jul 31, 2019
Instrument	4151/184

Lender

Name	ALL IN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	145 Months
Due	Aug 1, 2031

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,132.00 (+6.71%) Homeowner's exemption	$342,482 (+7.4%)	$505,534 (+44%) Land $33,957 Building $471,577
2023	$3,872.00 (+10.95%) Homeowner's exemption	$318,898 (+3%)	$351,055 (+13.39%) Land $41,160 Building $309,895
2022	$3,490.00 Homeowner's exemption	$309,610 Land $26,754 Building $282,856	$309,610 Land $26,754 Building $282,856

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	228 (1985–2021)
Claims Outside the SFHA	111 of 228
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 36 claims Hurricane Dennis, Jul 2005 · 52 claims Hurricane Opal, Oct 1995 · 99 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 302 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	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Wallace Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures