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6040 Howard Road

Panama City, FL 32404

$342,000 $1,441/Mo

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Overview

Bed

Bath

0.25

Acre(Lot)

Description

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!

Property Details

Property Type : Residential

Price : $342,000

AD Id : 79975293

MLS Id : 790739

Beds : 3

Lot Size : 0.25 Acre

Year Built : 1986

Garage : 2

County : Bay

Subdivision: Cross Key Waterways Est S

Map

What's Nearby

Nearby Areas

Features

Bedroom Information

Total beds: 3

Bathroom Information

Total Baths: 3 Full Baths: 2 Half Baths: 1

Room Information

Rooms Total: 10
Interior Features

Appliances: ElectricWaterHeater, GasRange
Heating & Cooling

Has Heating: Yes Heating: Central, Electric Has Cooling: Yes Cooling: CentralAir, CeilingFans

Building Information

Year Built: 1986

Building Area Total: 1886

Construction Materials: Stone, VinylSiding

Patio And Porch Features: Deck, Open, Porch

Private Pool: No
Exterior Features

Exterior Features: Deck

Lot Information

Lot Dimensions: 80x138 Main Square Feet: 0.25 Lot Size Acres: 0.25 Lot Size Square Feet: 10,890

Property Information

Subdivision: No Named Subdivision Source Property Type: Residential MLS Area Minor: 0202 - Bay - Central SE Zoning Description: Resid Single Family Property SubType: Single Family Residence Property Age: 40

Listing Price Information

Listing Price: $342000

Tax Information

Parcel Number: 07227-797-000 Tax Year: 2025 Annual Tax: $3372 Tax Legal Desc: BAY FRONT UNIT 6 LOT 9 BLK D ORB 4732 P 691

Garage Information

Has Garage: Yes Garage Space: 2

School Information

Elementary School: Tyndall Junior High School: Rutherford Middle Senior High School: Rutherford
Utility Information

CableConnected, ElectricityAvailable
Location Information

Direction: 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.

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Nearby Home Value

Address	Estimate	Bed	Bath	Sq. Ft
3600 Basal St, Panama City, FL, 32404	$303,790	3	2	--
TBD Plantation Drive, Panama City, FL, 32404	$699,000	--	--	--
9410 Pembrook Place, Panama City, FL, 32404	$278,500	3	2	--
9027 Crook Hollow Road, Panama City, FL, 32404	$523,000	3	3	--
9121 Crook Hollow Road, Panama City, FL, 32404	$259,900	3	2	--
10742 S Fork Loop, Panama City, FL, 32404	$194,900	3	2	--
13322 Airway Street, Panama City, FL, 32404	$578,124	3	3	--
13119 Airway Street, Panama City, FL, 32404	$799,000	4	3	--
1806 Highway 2297, Panama City, FL, 32404	$279,900	3	2	--
1849 Mallard Drive, Panama City, FL, 32404	$195,000	3	2	--

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ByOwner last updated this listing 06/09/2026 @ 06:45

MLS: 790739 LISTED BY: Renae Cooper, RE/MAX SELECT Partners 850-806-2288 SOURCE: CPAR