Bay County property record for 6540 E 7th St, Panama City, FL 32404
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 3.21 acres (139,828 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $605 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06205-020-000 |
| Primary APN | 06205-020-000 |
|---|
| Total Rooms | 4 Rooms |
|---|---|
| Stories | 1 Story |
| Lot Area | 139,828 sqft (3.21 acres) |
|---|---|
| Garage Type | Detached |
| Garage Area | 2,080 sqft |
| Fence | Fence |
| Street Address | 6540 E 7TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-9585 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | BC16 |
| Legal Description | 7 4S 13W -157.3- 131C1 ST AND BAY DEV CO PLAT BEG NE COR OF LOT 2 TH S 492' |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 07 |
| Legal Subdivision | ST AND BAY DEV CO |
| Legal Lot Number | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 803 |
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 |
|---|---|
| Mailing Address | 6540 E 7TH ST, PANAMA CITY, FL 32404-9585 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 1993 |
| Deed Sale | Dec 29, 1993 |
| Deed Document Number | 0014731582 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $605.00 (+24.74%) | $52,235 (+33.14%) Land $50,558 Building $1,677 | $52,235 (+33.14%) Land $50,558 Building $1,677 |
| 2023 | $485.00 (+20.65%) | $39,234 (+12.42%) Land $37,557 Building $1,677 | $39,234 (+12.42%) Land $37,557 Building $1,677 |
| 2022 | $402.00 | $34,900 Land $33,223 Building $1,677 | $34,900 Land $33,223 Building $1,677 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 41 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 14 (1995–2022) |
| Claims Outside the SFHA | 12 of 14 |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
| 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 | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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