Bay County property record for 6613 Cherry St, Panama City, FL 32404
| Property Type | Mobile Home |
|---|---|
| Details | 5 bd · 3 ba · 3,356 sqft · built 2003 |
| Lot Size | 1.23 acres (53,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $280,000 (Mar 2024) |
| Tax Bill | $2,594 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2024 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06035-000-000 |
| Primary APN | 06035-000-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,356 sqft Living Area |
| 1st Floor Area | 3,356 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 53,840 sqft (1.23 acres) |
| Garage Type | Carport |
| Garage Area | 960 sqft |
| Carport | Carport |
| Carport Area | 960 sqft |
| Driveway | Driveway |
| Driveway Area | 560 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 994 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6613 CHERRY ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8066 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | CLWY18 |
| Legal Description | 7 4S 13W -9- 131C4 COM AT SE COR OF SEC TH W 660 N 38.75 TO N R/W OF CHERRY ST TH CONT N 300 FOR POB TH CONT N 331.32 W 164.66 S 194.52 E 100 S 100 W 50.04 S 25.16 E 114.89 TO POB INCL INGRESS & EGRESS ESMT ORB 4784 P 1061 |
| 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 August 28, 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 | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Mar 20, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STOCKTON MORTGAGE CORP |
| Mar 20, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STOCKTON MORTGAGE CORP |
| Mar 20, 2024 | Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP |
| Oct 7, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage K & B MILLS AND ASSOCIATES LLC |
| Jun 24, 2019 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2024 · Amount on Record |
| Deed Sale | Mar 20, 2024 · Amount on Record |
| Prior Sale | Oct 7, 2022 · Amount on Record |
| Deed Document Number | 202415993 |
| Deed Book / Page | 4784 / 1061 |
| Prior Transfer Date | Apr 1, 2003 |
| Prior Transfer Doc | 0000022648 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 12, 2026 |
| Property Address | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0000049687 |
| Book / Page | 5067 / 737 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202649687 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0000049687, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 5067/737 |
| Instrument | 202649687 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Title Company | FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES |
| Name | Verified Name |
|---|---|
| Address | 5016 WHITAKER ST, PANAMA CITY, FL 32404-6057 |
| Document Number | 0047841086 |
|---|---|
| Date | Mar 20, 2024 |
| Book Page | 4784/1086 |
| Instrument | 2024015995 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5016 WHITAKER ST, PANAMA CITY, FL 32404-6057 |
| Document Number | 0047841086 |
|---|---|
| Date | Mar 20, 2024 |
| Book Page | 4784/1086 |
| Instrument | 2024015995 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 20, 2024 |
| Property Address | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0047841061 |
| Book / Page | 4784 / 1061 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 2024015993 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2026 |
| Title Company | FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8802 CREEK RUN RD, YOUNGSTOWN, FL 32466-2667 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0047841064 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 4784/1064 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 7, 2022 |
| Property Address | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0046180959 |
| Book / Page | 4618 / 959 |
| Instrument Date | Oct 4, 2022 |
| Instrument | 2022073759 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2022 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,074.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2156 PALMETTO WAY, 2156, SAINT GEORGE ISLAND, FL 32328-2112 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 35065, PANAMA CITY, FL 32412-5065 |
| Document Number | 0004618962 |
|---|---|
| Date | Oct 7, 2022 |
| Instrument | 4618/962 |
| Name | K & B MILLS AND ASSOCIATES LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Sep 15, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 24, 2019 |
| Property Address | 6613 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0041370280 |
| Book / Page | 004137 / 000280 |
| Instrument Date | Jun 20, 2019 |
| Instrument | 58038 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2156 PALMETTO WAY ST GEORGE ISLAND FL 323282112, ST GEORGE ISLAND, FL 32328-2112 |
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 | $2,594.00 (+32.75%) Homeowner's exemption | $230,181 (+70.49%) Land $43,260 Building $186,921 | $230,181 (+70.49%) Land $43,260 Building $186,921 |
| 2024 | $1,954.00 (+4.21%) | ||
| 2023 | $1,875.00 (+11.81%) | $135,012 (+3.93%) Land $35,844 Building $99,168 | $135,012 (+3.93%) Land $35,844 Building $99,168 |
| 2022 | $1,677.00 | $129,906 Land $33,372 Building $96,534 | $129,906 Land $33,372 Building $96,534 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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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