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131 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 131 E Baldwin Rd, Panama City, FL 32405 · Last verified February 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,262 sqft · built 1979
Lot Size0.503 acres (21,911 sqft)
OwnerIndividual Name on File
Last Sale$325,000 (Mar 2021)
Tax Bill$3,095 (2025)
Deeds & MortgagesMar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN12856-050-000

Property Details

APN / Parcel Number

Primary APN12856-050-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,262 sqft Heated Area
Gross Area3,708 sqft
1st Floor Area2,262 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 2009
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area21,911 sqft (0.503 acres)
Lot Dimensions129 ft deep x 170 ft wide
Garage Area338 sqft

Exterior Amenities

Pool Area480 sqft
PorchPorch
Porch Area674 sqft
Patio Area500 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address131 E BALDWIN RD
CityPANAMA CITY
StateFL
Zip32405-4203
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description28 3S 14W -2.8- BEG 523.73' E OF NW COR OF SEC TH SW 100.55' TO NLY R/W
Legal Range14W
Legal Township03S
Legal Section28
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1072
Census Tract1501

Owner

Source: Bay County records · APN 12856-050-000

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address131 E BALDWIN RD, PANAMA CITY, FL 32405-4203
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 16, 2021 · Amount on Record
Deed SaleMar 16, 2021 · Amount on Record
Prior SaleMay 07, 2015
Deed Document Number2021018932
Deed Book / Page4376 / 1789
Record UpdatedJun 08, 2026

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 16, 2021
Property Address131 E BALDWIN RD, PANAMA CITY, FL 32405-4203
Document Number0043761789
Book / Page4376 / 1789
Instrument DateFeb 24, 2021
Instrument2021018932
Transaction TypeTransfer
Record UpdatedJan 27, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address604 N ANDERSON ST, 604, TULLAHOMA, TN 37388-2506

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address131 E BALDWIN RD, PANAMA CITY, FL 32405-4203

Mortgage

Document Number0043761791
DateMar 16, 2021
Instrument4376/1791
Lender
NameTRUSTMARK NATIONAL BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,095.00 (+4.07%) Homeowner's exemption$289,779 (+5.99%)$309,126 (+6.61%) Land $89,760 Building $219,366
2023$2,974.00 (+11.59%) Homeowner's exemption$273,410 (+3%)$289,948 (+9.23%) Land $79,968 Building $209,980
2022$2,665.00 Homeowner's exemption$265,447 Land $73,440 Building $192,007$265,447 Land $73,440 Building $192,007

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050015011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 300 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies300 in force
Nearby Flood Claims154 (1984–2022)
Claims Outside the SFHA16 of 154
Most Recent ClaimMay 2022, other causes
Claims By Storm
  • Hurricane Michael, Oct 2018 · 49 claims
  • Hurricane Dennis, Jul 2005 · 13 claims
  • Hurricane Opal, Oct 1995 · 63 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 139 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
WOW Internet, Cable & PhoneCable1,200 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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