Bay County property record for 6603 Cherry St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,626 sqft · built 1992 |
| Lot Size | 0.567 acres (24,742 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $320,000 (Jun 2023) |
| Tax Bill | $445 (2025) |
| Deeds & Mortgages | Jun 2023 Sale Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06035-030-000 |
| Primary APN | 06035-030-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,626 sqft Heated Area |
| Gross Area | 2,652 sqft |
| 1st Floor Area | 1,626 sqft |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 24,742 sqft (0.567 acres) |
| Lot Dimensions | 150 ft deep x 165 ft wide |
| Garage Area | 768 sqft |
| Driveway | Driveway |
| Driveway Area | 384 sqft |
| Porch | Porch |
| Porch Area | 258 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 6603 CHERRY ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7 4S 13W -9.3- 131C4 BEG 825' W & 190.4' N OF SE COR TH W 165' N 150' E 165' S |
| 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 |
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 | 6603 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2023 | Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Jul 10, 2020 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Jul 31, 2017 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2023 · Amount on Record |
| Deed Sale | Jun 1, 2023 · Amount on Record |
| Prior Sale | Jul 10, 2020 · Amount on Record |
| Deed Document Number | 0046942219 |
| Deed Book / Page | 4694 / 2219 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 1, 2023 |
| Property Address | 6603 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0046942219 |
| Book / Page | 4694 / 2219 |
| Instrument Date | Jun 1, 2023 |
| Instrument | 2023033940 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 66O9C CHERRY ST, PANAMA CITY, FL 32404 |
| Name | Verified Name |
|---|---|
| Address | 6603 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 10, 2020 |
| Property Address | 6603 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0042722107 |
| Book / Page | 004272 / 002107 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 45015 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6603 CHERRY ST PANAMA CITY FL 324048066, PANAMA CITY, FL 32404-8066 |
| Document Number | 42722109 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 004272/002109 |
| Instrument | 45016 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 31, 2017 |
| Property Address | 6603 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0039221674 |
| Book / Page | 003922 / 001674 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 42996 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2017 |
| Title Company | MTI TITLE INSURANCE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,365.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1805 ECHO LN LYNN HAVEN FL 324443188, LYNN HAVEN, FL 32444-3188 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Callaway City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $445.00 (-78.84%) Homeowner's exemption Widower's exemption | $78,250 (-59.14%) | $294,753 (+39.81%) Land $57,750 Building $237,003 |
| 2023 | $2,103.00 (+11.09%) Homeowner's exemption | $191,521 (+3%) | $210,819 (+9.02%) Land $47,850 Building $162,969 |
| 2022 | $1,893.00 Homeowner's exemption | $185,943 | $193,383 Land $44,550 Building $148,833 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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 |
|
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 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | CALLAWAY, CITY OF WATER SYSTEM serves 20,520 people · EPA ID FL1030141 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | May 2024 |
| Lead | 2 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 369 locations within half a mile, as of December 31, 2025
| Provider | Max 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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