Bay County property record for 615 Cherry St, Panama City, FL 32401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,753 sqft · built 1957 |
| Lot Size | 0.299 acres (13,024 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,500 (Dec 2014) |
| Tax Bill | $1,260 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20866-000-000 |
| Primary APN | 20866-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,753 sqft Living Area |
| Gross Area | 2,153 sqft |
| 1st Floor Area | 1,753 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,024 sqft (0.299 acres) |
| Lot Dimensions | 150 ft deep x 87 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Porch | Unfinished Open Porch |
| Porch Area | 295 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 615 CHERRY ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-3813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PC02 |
| Legal Description | SUDDUTHS 2ND ADD. W 87.5 LOTS 8,9,10 BLK 28 MAP 105C3 ORB 3054 P 1296 ORB 3117 P 2318 |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | SUDDUTHS 2ND ADD |
| Legal Block | 28 |
| Legal Lot Number | 8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 1900 |
615 Cherry St is owned and occupied by an individual who bought it in December 2014.
Source: Bay County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 615 CHERRY ST, PANAMA CITY, FL 32401-3813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 3, 2014 · Amount on File |
| Deed Sale | Dec 3, 2014 · Amount on File |
| Prior Sale | May 30, 2008 · Amount on File |
| Deed Document Number | 201463302 |
| Deed Book / Page | 3658 / 2170 |
| Prior Transfer Date | Dec 30, 2008 |
| Prior Transfer Doc | 0031172318 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 615 Cherry St was $1,260 with a homeowner's exemption, down 7.4% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,260.00 (-7.42%) Homeowner's exemption | $121,824 | $284,931 Land $60,465 Building $224,466 |
| 2024 | $1,361.00 (-12.64%) | ||
| 2023 | $1,558.00 (+1.23%) Homeowner's exemption | $114,943 (+3%) | $231,508 (+9.57%) Land $52,200 Building $179,308 |
| 2022 | $1,539.00 Homeowner's exemption | $111,595 | $211,291 Land $45,327 Building $165,964 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 615 Cherry St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1995.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 10 (1995–2020) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 615 Cherry 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 437 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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