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6529 Chipewa St, Apt E, Panama City, FL 32404 Property Records

Bay County property record for 6529 Chipewa St, Apt E, Panama City, FL 32404

Property Summary

Property TypeTriplex
Details3 bd · 3 ba · 1,581 sqft · built 1977
Lot Size0.137 acres (5,967 sqft)
OwnerIndividual Name on File
Last Sale$212,000 (Oct 2021)
Tax Bill$3,333 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
Jul 2021 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN06838-050-000

Property Details

APN / Parcel Number

Primary APN06838-050-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Units6 Units
Stories1 Story
Building Area1,581 sqft Living Area
1st Floor Area1,581 sqft
FlooringTile
Interior WallsPlywood

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 2017
Architectural StyleTriplex
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,967 sqft (0.137 acres)
Lot Dimensions80 ft deep x 75 ft wide
PorchOpen Porch
Porch Area204 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address6529 CHIPEWA ST, E
CityPANAMA CITY
StateFL
Zip32404-4702
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Local Zoning CodeR5M
Legal DescriptionCALLAWAY PLAT LOTS 25 & 26 BLK 27 CLOSED ALLEY ON N SIDE ORB 4475 P 1599 (132B1)
Legal Range13W
Legal Township04S
Legal Section18
Legal SubdivisionCALLAWAY PLAT
Legal Block27
Legal Lot Number25,26
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2000
Census Tract805

Owner

6529 Chipewa St, Apt E is owned by an individual who bought it in October 2021.

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

Owner of RecordIndividual Name on File
Mailing Address9323 NEWBERRY RD, YOUNGSTOWN, FL 32466-2165
Owner TypeIndividual

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

DateDocument
Oct 20, 2021Warranty Deed, Transfer · FHA Mortgage
WATERSTONE MORTGAGE CORP
Jul 1, 2021Warranty Deed, Transfer · FHA Mortgage
WATERSTONE MORTGAGE CORP
Jul 2, 2020Warranty Deed, Transfer
OTHER
Nov 13, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Mar 6, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Mar 6, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 20, 2021 · Amount on File
Deed SaleOct 20, 2021 · Amount on File
Prior SaleJul 1, 2021 · Amount on File
Deed Document Number202180346
Deed Book / Page4475 / 1599
Record UpdatedOct 29, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateOct 20, 2021
Property Address6529 CHIPEWA ST APT D, D, PANAMA CITY, FL 32404-4702
Document Number0044751599
Book / Page4475 / 1599
Map ReferenceMB 5 PG 1
Instrument DateOct 18, 2021
Instrument2021080346
Transaction TypeTransfer
Record UpdatedFeb 7, 2023
Title CompanyFLORIDA COASTAL CLOSING & ES

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address623 COQUINA DR, LYNN HAVEN, FL 32444-3417

Transferred To (Grantee/Buyer)

NameVerified Name
Address9323 NEWBERRY RD, YOUNGSTOWN, FL 32466-2165

Mortgage

Document Number0044751601
DateOct 20, 2021
Book Page4475/1601
Instrument2021080347
Lender
NameWATERSTONE MORTGAGE CORP
TypeMortgage Company
AddressPEWAUKEE, WI 53072
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term357 Months
DueJul 1, 2051

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJul 1, 2021
Property Address6529 CHIPEWA ST APT D, D, PANAMA CITY, FL 32404-4702
Document Number0044281706
Book / Page4428 / 1706
Map ReferenceMB 5 PG 1
Instrument DateJun 29, 2021
Instrument2021050592
Transaction TypeTransfer
Record UpdatedFeb 7, 2023
Title CompanyFLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,484.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address623 COQUINA DR, LYNN HAVEN, FL 32444-3417

Transferred To (Grantee/Buyer)

NameVerified Name
Address9323 NEWBERRY RODA, YOUNGSTOWN, FL 32466-2165

Mortgage

Document Number0044281708
DateJul 1, 2021
Instrument4428/1708
Lender
NameWATERSTONE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2051

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJul 2, 2020
Property Address6529 CHIPEWA ST APT D, D, PANAMA CITY, FL 32404-4702
Document Number0042700404
Book / Page004270 / 000404
Instrument DateJun 30, 2020
Instrument43343
Transaction TypeTransfer
Record UpdatedJul 22, 2020
Title CompanyOTHER

Transaction

AmountAmount on Record
Tax$2,205.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address623 COQUINA DR LYNN HAVEN FL 324443417, LYNN HAVEN, FL 32444-3417

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateNov 13, 2019
Property Address6529 CHIPEWA ST APT D, D, PANAMA CITY, FL 32404-4702
Document Number0041900343
Book / Page004190 / 000343
Instrument DateOct 21, 2019
Instrument98130
Transaction TypeTransfer
Record UpdatedDec 19, 2019
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address601 WOOD TRL PANAMA CITY FL 324054490, PANAMA CITY, FL 32405-4490

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 6, 2018
Property Address6529 CHIPEWA ST APT D, D, PANAMA CITY, FL 32404-4702
Document Number0039852177
Book / Page003985 / 002177
Instrument DateFeb 7, 2018
Instrument12873
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$263.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7583 S PARK AVE TAYLOR AL 363017161, TAYLOR, AL 36301-7161
InvestorPossibly a Property Investor

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 6, 2018
Property Address6529 CHIPEWA ST APT D, D, PANAMA CITY, FL 32404-4702
Document Number0039852180
Book / Page003985 / 002180
Instrument DateJan 26, 2018
Instrument12874
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$263.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7583 S PARK AVE TAYLOR AL 363017161, TAYLOR, AL 36301-7161
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 6529 Chipewa St, Apt E was $3,333, up 9.8% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityCallaway City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,333.00 (+9.82%)$229,431$265,408 Land $23,678 Building $241,730
2024$3,035.00 (+11.21%)
2023$2,729.00 (+22.6%)$207,062 (+20.12%) Land $17,325 Building $189,737$207,062 (+20.12%) Land $17,325 Building $189,737
2022$2,226.00$172,375 Land $15,015 Building $157,360$172,375 Land $15,015 Building $157,360

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

Flood

FEMA maps place 6529 Chipewa St, Apt E in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 43 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies43 in force
Nearby Flood Claims31 (1978–2021)
Claims Outside the SFHA26 of 31
Most Recent ClaimOct 2021 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 2 claims
  • Hurricane Michael, Oct 2018 · 8 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 6529 Chipewa St, Apt E is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemCALLAWAY, CITY OF WATER SYSTEM
serves 20,520 people · EPA ID FL1030141
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionMay 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 369 locations within half a mile, as of December 31, 2025

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

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