6040 Howard Road, Panama City, FL 32404 (MLS# 790739)

List Price/SqFt: 181.34

Status: Active

List Date: 2026-06-05

List Price: $342,000

Current Price: $342,000

Sub Area: 0202 - Bay - Central SE

Community/Resort: None

Waterfront: No

Elementary School: Tyndall

Middle School: Rutherford Middle

High School: Rutherford

Directions: From Tyndall Pkwy (HWY 98) Turn east on Ivy Rd. Then turn South on S. Gay Ave, then East on Howard St. After the road makes a right hand bend toward the right, the house will be third on the right.

Area: 02 - Bay County - Central

Street #: 6040

Street Name: Howard

Street Suffix: Road

State: FL

Zip Code: 32404

County: Bay

Subdivision: No Named Subdivision

Parcel ID: 07227-797-000

Legal Description: BAY FRONT UNIT 6 LOT 9 BLK D ORB 4732 P 691

Acreage: 0.25

Design: Other

Lot Size (SqFt): 10890

Apx SqFt(Htd/Cooled): 1886

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

Half Baths: 1

Pre-Const Flip: No

Lot Dimensions: 80x138

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Driveway Spaces: 2

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 3

Year Built: 1986

HOA Fee: No

New Buyer Fee: No

Last Taxes: 3372

Last Tax Year: 2025

Brokerage Interest: No Interest

As Is: Yes

Remarks: 6040 Howard Rd | Callaway, FL 32404 3 Bed | 2.5 Bath | 1,886 Sq Ft | 2-Story | No HOA This is the one Bay County buyers have been waiting for a solid, well-appointed 2-story home on a beautiful large lot in Callaway with NO HOA, loaded with high-value upgrades and ready for its next chapter. From the moment you arrive, the durable metal roof signals the quality and care that defines this property throughout. Step inside to find brand-new luxury vinyl plank flooring flowing through the main living areas, giving the home a fresh, modern feel that's as easy to maintain as it is beautiful. With nearly 1,900 square feet spread across two stories, there's room for everyone, 3 bedrooms, 2.5 baths, and a flexible layout that adapts to how you actually live. Built for the Florida Lifestyle and Then Some: This home is designed to keep you comfortable, powered, and prepared no matter what. The full Generac whole-home generator system (warranty valid through November) means hurricanes and power outages are just an inconvenience, not a crisis. The freshwater well with brand-new pumps and new water heater mean your major systems are dialed in and ready to go. The 12x20 storage closet inside the garage keeps everything organized, and the 220-amp hookup capability makes this property ready for an EV charger, workshop equipment, or whatever you have in mind. Water Access Right Around the Corner: Just down the road, Earl Gilbert Park sits on East Bay with a boat ramp and more than 1,000 feet of shoreline a perfect launching point for a day on the water. The John B. Gore Park boat ramp on Beulah Avenue in Callaway is also just minutes away, offering convenient access to East Bay. Whether you're fishing, kayaking, or cruising, the water is practically at your doorstep. Prime Location for Military Families & Everyone Else: Callaway is positioned along U.S. Highway 98, providing direct regional connectivity to Panama City, and sits near Tyndall Air Force Base, making the morning commute to base refreshingly short. Local dining favorites include Uncle Ernie's on St. Andrews Bay for waterfront seafood, CaHalls Deli, Finn's Island Style Grub, and Royal Thai just outside the gate, there's no shortage of great spots nearby. Panama City Beach and the world-famous 30A corridor are an easy drive for a day of sun and sand. No HOA. No drama. Just a well-built, upgrade-packed home in one of Bay County's most convenient locations. Properties with this combination of features, lot size, and location don't sit long, schedule your private tour today!

First: 1

First: 1

Second: 1

Second: 1

Dishwasher: 1

Microwave: 1

Range - Gas: 1

Refrigerator: 1

Water Heater - Electric: 1

Floor - Vinyl Plank: 1

Siding - Stone: 1

Siding - Vinyl: 1

Deck Open: 1

Fenced Back Yard: 1

Fenced Privacy: 1

Porch Open: 1

Shed(s): 1

Cash: 1

Conventional: 1

FHA: 1

Unfurnished: 1

First: 1

City Street: 1

Driveway: 1

Garage Attached: 1

MBath Double Vanity: 1

MBath Shower Only: 1

MBed Walk-in Closet: 1

Resid Single Family: 1

Bedroom: 1

Den: 1

Dining Room: 1

Full Bathroom: 1

Half Bathroom: 1

Kitchen: 1

Master Bathroom: 1

Master Bedroom: 1

Other: 1

TV Cable: 1

Electricity - Connected: 1

Natural Gas - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

As Is: 1

Second: 1

First: 1

Second: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1