Bay County property record for 6540 Pine Dr, Panama City, FL 32408
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,183 sqft · built 1980 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Flood Zone | Zone X (minimal risk) |
| APN | 31087-000-000 |
| Primary APN | 31087-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,183 sqft Living Area |
| Gross Area | 1,558 sqft |
| 1st Floor Area | 1,183 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 375 sqft |
| Driveway | Driveway |
| Driveway Area | 912 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 164 sqft |
| Deck Area | 224 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6540 PINE DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32408-3944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | TREASURE COVE UNIT 2 LOT 10 BLK 1 ORB 1225 P 430 |
| Legal Range | 15W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | TREASURE COVE |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY BEACHES |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 2604 |
Source: Bay County records, as of March 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6540 PINE DR, PANAMA CITY, FL 32408-3944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 9, 2025 |
| Transfer Doc | 0049231210 |
| Record Updated | Jun 8, 2026 |
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 | Homeowner's exemption Disabled Person's exemption | $85,143 (+5.99%) | $183,556 (+16.64%) Land $93,225 Building $90,331 |
| 2023 | Homeowner's exemption Disabled Person's exemption | $80,333 | $157,363 Land $71,700 Building $85,663 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 134 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 243 units insured incl. 109 condo units |
| Nearby Flood Claims | 8 (1995–2018) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| 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 | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 343 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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