6505 Cherry St, Panama City, FL 32404 Property Records

Bay County property record for 6505 Cherry St, Panama City, FL 32404

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,050 sqft · built 1957
Lot Size	2.21 acres (96,268 sqft)
Owner	Company Name on File
Last Sale	$103,800 (Mar 2010)
Deeds & Mortgages	Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`06038-000-000`

Property Details

APN / Parcel Number

Primary APN	`06038-000-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,050 sqft Heated Area
Gross Area	1,528 sqft
1st Floor Area	1,050 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	96,268 sqft (2.21 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	388 sqft
Fence	Fence
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Radiant

Location & Zoning

Street Address	6505 CHERRY ST
City	PANAMA CITY
State	FL
Zip	32404-8064
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLWY18
Legal Description	7 4S 13W -11- 131C4 BEG 1319.53' W & 44.77' N OF SE COR TH N 154.8' E 150' N
Legal Range	13W
Legal Township	04S
Legal Section	07
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3038
Census Tract	803

Owner

Source: Bay County records · APN 06038-000-000

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of Record	Company Name on File
Mailing Address	6505 CHERRY ST, PANAMA CITY, FL 32404-8064
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2010 · Amount on Record
Deed Sale	Mar 10, 2010 · Amount on Record
Prior Sale	Aug 03, 2009 · Amount on Record
Deed Document Number	0032242195
Last Transfer Date	Sep 01, 2017
Transfer Doc	0039330906
Record Updated	Jun 08, 2026

September 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Sep 01, 2017
Property Address	6505 CHERRY ST, PANAMA CITY, FL 32404-8064
Document Number	0039330906
Book / Page	003933 / 000906
Instrument Date	Mar 09, 2010
Instrument	50216
Record Updated	Oct 03, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	375 CAMELLIA AVE PANAMA CITY FL 324046084, PANAMA CITY, FL 32404-6084

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$373,615 (+9.82%) Land $69,615 Building $304,000	$373,615 (+9.82%) Land $69,615 Building $304,000
2023	Additional exemption filed	$340,208 Land $57,681 Building $282,527	$340,208 Land $57,681 Building $282,527

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	8 (2005–2021)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims

Wildfire

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 369 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.