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!
For sale
$342,000
6040 Howard Rd, Panama City, FL 32404
3beds
1,886sqft
Single Family Residence
Built in 1986
0.25 Acres Lot
$330,500 Zestimate®
$181/sqft
$-- HOA
What's special
Beautiful large lotDurable metal roofFlexible layoutFresh modern feel
- 9 days |
- 324 |
- 20 |
Zillow last checked:
Listing updated:
Listed by:
Renae Cooper 850-238-6117,
RE/MAX SELECT Partners
Source: CPAR,MLS#: 790739
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSLoading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Rooms
- Room types: Bedroom, Den, Dining Room, Full Bath, Half Bath, Kitchen, Primary Bathroom, Primary Bedroom, Other
Primary bedroom
- Level: Second
- Dimensions: 13 x 14
Bedroom
- Level: Second
- Dimensions: 12 x 13
Bedroom
- Level: Second
- Dimensions: 10 x 11
Primary bathroom
- Level: Second
- Dimensions: 10 x 10
Den
- Level: First
- Dimensions: 15 x 18
Dining room
- Level: First
- Dimensions: 11 x 12
Other
- Level: Second
- Dimensions: 5 x 10
Half bath
- Level: First
- Dimensions: 3 x 6
Kitchen
- Level: First
- Dimensions: 10 x 9
Other
- Description: Primary walkin closet
- Level: Second
- Dimensions: 6 x 7
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Water Heater, Gas Range
Features
- Double Vanity, Upper Level Primary, Walk-In Closet(s)
Interior area
- Total structure area: 1,886
- Total interior livable area: 1,886 sqft
Property
Parking
- Total spaces: 2
- Parking features: Garage
- Garage spaces: 2
Features
- Patio & porch: Deck, Open, Porch
- Exterior features: Deck
- Fencing: Fenced,Privacy
Lot
- Size: 0.25 Acres
- Dimensions: 80 x 138
Details
- Additional structures: Shed(s)
- Parcel number: 07227797000
- Zoning description: Resid Single Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Other
- Property subtype: Single Family Residence
Materials
- Stone, Vinyl Siding
Condition
- New construction: No
- Year built: 1986
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Cable Connected, Electricity Available
Community & HOA
Community
- Subdivision: No Named Subdivision
HOA
- Has HOA: No
Location
- Region: Panama City
Financial & listing details
- Price per square foot: $181/sqft
- Tax assessed value: $278,827
- Annual tax amount: $3,372
- Date on market: 6/3/2026
- Cumulative days on market: 4 days
- Electric utility on property: Yes
Estimated market value
$330,500
$314,000 - $347,000
$2,469/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/3/2026 | Listed for sale | $342,000+5.2%$181/sqft |
Source:  CPAR #790739 Report a problem | ||
| 9/18/2023 | Sold | $325,000$172/sqft |
Source: CPAR #743317 Report a problem | ||
| 8/20/2023 | Listing removed | -- |
Source: CPAR #745306 Report a problem | ||
| 8/20/2023 | Contingent | $325,000$172/sqft |
Source: CPAR #743317 Report a problem | ||
| 8/16/2023 | Listed for rent | $2,500$1/sqft |
Source: CPAR #745306 Report a problem | ||
| 8/11/2023 | Price change | $325,000-1.4%$172/sqft |
Source: CPAR #743317 Report a problem | ||
| 7/3/2023 | Listed for sale | $329,500+26.7%$175/sqft |
Source: CPAR #743317 Report a problem | ||
| 10/29/2021 | Sold | $260,000$138/sqft |
Source: CPAR #715750 Report a problem | ||
| 9/17/2021 | Contingent | $260,000$138/sqft |
Source: CPAR #715750 Report a problem | ||
| 9/13/2021 | Price change | $260,000-5.5%$138/sqft |
Source: CPAR #715750 Report a problem | ||
| 8/19/2021 | Listed for sale | $275,000+231.3%$146/sqft |
Source: CPAR #715750 Report a problem | ||
| 4/13/2021 | Sold | $83,000$44/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,272 -5% | $278,827 +13.4% |
| 2023 | $3,446 +19.4% | $245,836 +10% |
| 2022 | $2,887 | $223,487 |
| 2021 | -- | -- |
| 2020 | $747 +1.4% | $55,777 +1.2% |
| 2019 | $737 | $55,109 -54.5% |
| 2018 | $737 -52.5% | $121,218 +30% |
| 2017 | $1,549 +113.7% | $93,213 +2.1% |
| 2016 | $725 | $91,296 +0.7% |
| 2015 | -- | $90,661 +1.4% |
| 2014 | -- | $89,444 +1.5% |
| 2013 | -- | $88,122 -1.3% |
| 2012 | -- | $89,248 +6.1% |
| 2011 | -- | $84,125 +1.5% |
| 2010 | -- | $82,882 +2.7% |
| 2009 | -- | $80,703 +0.1% |
| 2008 | -- | $80,622 +3% |
| 2007 | -- | $78,274 +2.5% |
| 2006 | -- | $76,365 +3% |
| 2005 | -- | $74,141 +3% |
| 2004 | -- | $71,982 +1.9% |
| 2003 | -- | $70,640 +2.4% |
| 2002 | -- | $68,984 +1.6% |
| 2001 | -- | $67,898 +0.2% |
| 2000 | -- | $67,760 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 32404
Nearby schools
GreatSchools rating
- 8/10Tyndall Elementary SchoolGrades: PK-8Distance: 3 mi
- 2/10Rutherford High SchoolGrades: 6-12Distance: 3.6 mi
Schools provided by the listing agent
- Elementary: Tyndall
- Middle: Rutherford Middle
- High: Rutherford
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Bay County
- Callaway
- 32404
- 6040 Howard Rd
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