Bay County property record for 6605 Cherry St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,857 sqft · built 1978 |
| Lot Size | 1.2 acres (52,620 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,224 (2025) |
| Deeds & Mortgages | Nov 2019 Transfer Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06037-010-000 |
| Primary APN | 06037-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,857 sqft Living Area |
| Gross Area | 2,341 sqft |
| 1st Floor Area | 1,597 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 52,620 sqft (1.2 acres) |
| Lot Dimensions | 319 ft deep x 165 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 1,344 sqft |
| Porch | Florida Room |
| Porch Area | 344 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6605 CHERRY ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6M |
| Legal Description | 7 4S 13W -10.2- 131C4 BEG 300 N OF INT CHERRY ST & W LI OF W1/2 OF E1/2 OF SW1/4 OF SE1/4 OF SE1/4 TH N 318.5 E 165 S 319.6 W 165 TO POB ORB 4195 P 1630 |
| 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 5, 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 | 6605 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 27, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Dec 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 27, 2019 |
| Transfer Doc | 0041951630 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Nov 27, 2019 |
| Property Address | 6605 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0041951630 |
| Book / Page | 004195 / 001630 |
| Instrument Date | Nov 27, 2019 |
| Instrument | 102017 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6605 CHERRY ST PANAMA CITY FL 324048066, PANAMA CITY, FL 32404-8066 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 6605 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0040860724 |
| Instrument Date | Dec 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6605 CHERRY ST CALLAWAY FL 324048066, CALLAWAY, FL 32404-8066 |
| Document Number | 0040860724 |
|---|---|
| Date | Feb 4, 2019 |
| Book Page | 004086/000724 |
| Instrument | 13141 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 3, 2049 |
Source: Bay County assessment roll, as of January 5, 2026
| 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 | $1,224.00 (+6.62%) Homeowner's exemption | $130,103 (+8.03%) | $202,747 (+15.12%) Land $66,412 Building $136,335 |
| 2024 | $1,148.00 (+2.96%) | ||
| 2023 | $1,115.00 (+11.39%) Homeowner's exemption | $120,428 (+3%) | $176,114 (+9.17%) Land $55,027 Building $121,087 |
| 2022 | $1,001.00 Homeowner's exemption | $116,920 | $161,328 Land $51,232 Building $110,096 |
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 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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