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

6040 Howard Road, Panama City, FL 32404

New Listing

$342,000

Open living space leads to the dining room and kitchen

Living room and wood fireplace, leads to half bath and upstairs will take you to the bedrooms

Bright and open Dining and Kitchen which will lead you to the large backyard

Bright and open kitchen/dining that leads to the back door

Laundry room, also have laundry hookups on second floor in home

Stairs leading to front of home and front porch

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,886 Lot Size (sq. ft.): 10,890 Status: Active

Current Price: $342,000 List Date: 6/03/2026 Last Modified: 6/05/2026

Overview

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 … (Read more) 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 12×20 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!

Listing Details MLS# 790739

Contract Info

List Price/SqFt: 181.34

Location

Area: 02 – Bay County – Central
Street #: 6040
Street Name: Howard
Street Suffix: Road
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0202 – Bay – Central SE
Subdivision: No Named Subdivision
Community/Resort: None
Waterfront: No
Parcel ID: 07227-797-000
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.
Legal Description: BAY FRONT UNIT 6 LOT 9 BLK D ORB 4732 P 691

General Property Info

Sub-Type: Detached Single Family
Design: Other
Apx SqFt(Htd/Cooled): 1886
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Year Built: 1986
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 2
Lot Dimensions: 80×138
Acreage: 0.25
Lot Size (SqFt): 10890
Pool: No

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 3372
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

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 12×20 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!

Den

First: Yes

More Information

Dining Room

First: Yes

Master Bathroom

Second: Yes

Other

Second: Yes

Appliances

Dishwasher: Yes
Microwave: Yes
Range – Gas: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Vinyl Plank: Yes

Construction/Siding

Siding – Stone: Yes
Siding – Vinyl: Yes

Exterior

Deck Open: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Porch Open: Yes

Other Structures

Shed(s): Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Lot Access

City Street: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed Walk-in Closet: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Den: Yes
Dining Room: Yes
Full Bathroom: Yes
Half Bathroom: Yes
Kitchen: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Other: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Natural Gas – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Sale Type

As Is: Yes

Full Bathroom

Second: Yes

Half Bathroom

First: Yes

Master Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Property Features

Appliances: Dishwasher; Microwave; Range – Gas; Refrigerator; Water Heater – Electric Full Bathroom: Second Half Bathroom: First Master Bedroom: Second Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Deck Open; Fenced Back Yard; Fenced Privacy; Porch Open Financing: Cash; Conventional; FHA Furnished: Unfurnished Kitchen: First Lot Access: City Street Master Bathroom: Second Den: First Dining Room: First Other: Second Parking Features: Driveway; Garage Attached Other Structures: Shed(s) Rooms: Bedroom; Den; Dining Room; Full Bathroom; Half Bathroom; Kitchen; Master Bathroom; Master Bedroom; Other Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Master Bedroom	Second	13 x 14	13.00	14.00
Bedroom	Second	12 x 13	12.00	13.00
Kitchen	First	10 x 9	10.00	9.00
Dining Room	First	11 x 12	11.00	12.00
Other	Second	6 x 7	6.00	7.00	Primary walkin closet
Den	First	15 x 18	15.00	18.00
Half Bathroom	First	3 x 6	3.00	6.00
Bedroom	Second	10 x 11	10.00	11.00
Full Bathroom	Second	5 x 10	5.00	10.00
Master Bathroom	Second	10 x 10	10.00	10.00

Listing Office: RE/MAX SELECT Partners

Last Updated: June – 05 – 2026

Information deemed reliable but not guaranteed.