Bay County property record for 6428 Sunset Ave, Panama City, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,248 sqft · built 1975 |
| Lot Size | 0.132 acres (5,749 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $461,000 (Oct 2025) |
| Tax Bill | $3,560 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 30753-093-000 |
| Primary APN | 30753-093-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,749 sqft (0.132 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 1,092 sqft |
| Carport | Carport |
| Carport Area | 1,092 sqft |
| Driveway | Driveway |
| Driveway Area | 390 sqft |
| Pool Area | 336 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 1,392 sqft |
| Patio Area | 520 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6428 SUNSET AVE |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32408-6015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC17 |
| Legal Description | HOLIDAY BEACH UNIT #8 LOT 5 BLK 3 ORB 4227 P 1741 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 08 |
| Legal Subdivision | HOLIDAY BEACH |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Legal Unit | 8 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 2606 |
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 6428 SUNSET AVE, PANAMA CITY BEACH, FL 32408-6015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Oct 8, 2025 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Mar 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2025 · Amount on Record |
| Deed Sale | Oct 8, 2025 · Amount on Record |
| Prior Sale | Mar 2, 2020 · Amount on Record |
| Deed Document Number | 202558571 |
| Deed Book / Page | 4961 / 1254 |
| Prior Transfer Date | Dec 4, 2009 |
| Prior Transfer Doc | 0032332397 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 8, 2025 |
| Property Address | 6428 SUNSET AVE, PANAMA CITY BEACH, FL 32408-6015 |
| Document Number | 0049611254 |
| Book / Page | 4961 / 1254 |
| Map Reference | MB 11 PG 61 |
| Instrument Date | Oct 8, 2025 |
| Instrument | 2025058571 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | SOUTH OAK TITLE GARDENDALE LLC, SOUTH OAK TTL PANHANDLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,227.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 136 COUNTY ROAD 1742, HOLLY POND, AL 35083-6510 |
| Name | Verified Name |
|---|---|
| Address | 6428 SUNSET AVE, PANAMA CITY BEACH, FL 32408-6015 |
| Document Number | 0049611256 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 4961/1256 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 2, 2020 |
| Property Address | 6428 SUNSET AVE, PANAMA CITY BEACH, FL 32408-6015 |
| Document Number | 0042271741 |
| Book / Page | 4227 / 1741 |
| Map Reference | MB 11 PG 61 |
| Instrument Date | Feb 26, 2020 |
| Instrument | 2020015821 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | SOUTH OAK TTL PANAMA CITY BE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1245 GRANDVIEW TRL, 1245, WARRIOR, AL 35180-5436 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 697 WILSON MOUNTAIN RD, FALKVILLE, AL 35622-7832 |
| Document Number | 0042271743 |
|---|---|
| Date | Mar 2, 2020 |
| Instrument | 4227/1743 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $3,560.00 (+7.91%) | $281,890 (+1.78%) | $299,677 (+8.21%) Land $152,920 Building $146,757 |
| 2024 | $3,299.00 (+4%) | $276,948 (+1.4%) Land $135,800 Building $141,148 | $276,948 (+1.4%) Land $135,800 Building $141,148 |
| 2023 | $3,172.00 (+27.44%) | $273,136 (+28.97%) Land $129,349 Building $143,787 | $273,136 (+28.97%) Land $129,349 Building $143,787 |
| 2022 | $2,489.00 | $211,788 Land $77,600 Building $134,188 | $211,788 Land $77,600 Building $134,188 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 150 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 797 units insured incl. 647 condo units |
| Nearby Flood Claims | 112 (1985–2022) |
| Claims Outside the SFHA | 77 of 112 |
| Most Recent Claim | Mar 2022 · other causes |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | CITY OF PANAMA CITY BEACH serves 67,205 people · EPA ID FL1030515 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2025 |
| Lead | 4 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 499 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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