6597 Cherry St, Panama City, FL 32404 Property Records

Bay County property record for 6597 Cherry St, Panama City, FL 32404 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 1986
Lot Size	0.126 acres (5,532 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Jul 2022)
Tax Bill	$3,048 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06037-031-000`

Property Details

APN / Parcel Number

Primary APN	`06037-031-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Heated Area
Gross Area	1,772 sqft
1st Floor Area	1,092 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2020
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	5,532 sqft (0.126 acres)
Lot Dimensions	150 ft deep x 37 ft wide
Garage Area	400 sqft
Porch	Porch
Porch Area	280 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	6597 CHERRY ST
City	PANAMA CITY
State	FL
Zip	32404-8064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 4S 13W -10.13- 131C4 BEG 990' W & 41.86' N OF SE COR TH N 150' E 37.50' S 150'
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 06037-031-000

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2450 SIDON AVE, LA HABRA, CA 90631-5833
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 07, 2022	Warranty Deed, Transfer · Conventional Mortgage LOGAN FINANCE CORP
Feb 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 07, 2022 · Amount on Record
Deed Sale	Jul 07, 2022 · Amount on Record
Prior Sale	Feb 22, 2022 · Amount on Record
Deed Document Number	2022050841
Deed Book / Page	4585 / 1299
Record Updated	Jun 08, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 07, 2022
Property Address	6597 CHERRY ST, PANAMA CITY, FL 32404-8064
Document Number	0045851299
Book / Page	4585 / 1299
Instrument Date	Jun 30, 2022
Instrument	2022050841
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	NOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5506 HILLTOP AVE, 5506, PANAMA CITY, FL 32408-6615

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2450 SIDON AVE, LA HABRA, CA 90631-5833

Mortgage

Document Number	0045851301
Date	Jul 07, 2022
Instrument	4585/1301

Lender

Name	LOGAN FINANCE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 22, 2022
Property Address	6597 CHERRY ST, PANAMA CITY, FL 32404-8064
Document Number	0045270225
Book / Page	4527 / 225
Instrument Date	Feb 17, 2022
Instrument	2022012771
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 SE 7TH ST, 120, POMPANO BEACH, FL 33060-8434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6506 HILLTOP AVE, PANAMA CITY BEACH, FL 32408

Mortgage

Document Number	0004527227
Date	Feb 22, 2022
Instrument	4527/227

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,048.00 (+9.6%)	$222,581 (+11.19%) Land $13,125 Building $209,456	$222,581 (+11.19%) Land $13,125 Building $209,456
2023	$2,781.00 (+141.2%)	$200,178 (+124.11%) Land $10,875 Building $189,303	$200,178 (+124.11%) Land $10,875 Building $189,303
2022	$1,153.00	$89,321 Land $10,125 Building $79,196	$89,321 Land $10,125 Building $79,196

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050008033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 35 individual NFIP policies nearby
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 Storm	Hurricane Michael, Oct 2018 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 369 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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