Bay County property record for 6621 Cherry St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,023 sqft · built 1953 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $103 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06032-000-000 |
| Primary APN | 06032-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,023 sqft Heated Area |
| 1st Floor Area | 1,023 sqft |
| Interior Walls | Plywood |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 50,094 sqft (1.15 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 6621 CHERRY ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-8066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CLWY18 |
| Legal Description | 7 4S 13W -7- 131C4 SW1/4 OF SE1/4 OF SE1/4 OF SE1/4 LESS SR R/W LESS E 175 |
| 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 | 6621 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 22, 2020 |
| Transfer Doc | 0042541244 |
| Record Updated | Jun 8, 2026 |
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 22, 2020 |
| Property Address | 6621 CHERRY ST, PANAMA CITY, FL 32404-8066 |
| Document Number | 0042541244 |
| Book / Page | 004254 / 001244 |
| Instrument Date | Apr 22, 2020 |
| Instrument | 33501 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2020 |
| Title Company | BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6621 CHERRY ST PANAMA CITY FL 324048066, PANAMA CITY, FL 32404-8066 |
| Document Number | 42541246 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 004254/001246 |
| Instrument | 33502 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | TULSA, OK 74133 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 780 Months |
| Due | May 21, 2085 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.15% |
| Document Number | 42541259, |
|---|---|
| Date | May 22, 2020 |
| Book Page | 004254/001259 |
| Instrument | 33503 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 780 Months |
| Due | May 21, 2085 |
| Rate | 4.15% |
|---|
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 | $103.00 (+10.75%) Homeowner's exemption Additional exemption filed | $44,471 (+5.99%) | $87,849 (+14.98%) Land $40,250 Building $47,599 |
| 2023 | $93.00 (+6.9%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $41,959 (+3%) | $76,405 (+8.92%) Land $33,350 Building $43,055 |
| 2022 | $87.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $40,737 | $70,145 Land $31,050 Building $39,095 |
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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