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

Bay County property record for 209 E Baldwin Rd, Panama City, FL 32405 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 2 ba · 2,570 sqft · built 1974
Lot Size0.652 acres (28,401 sqft)
Owner2 Individual Names on File
Last Sale$250,000 (Oct 2025)
Tax Bill$3,371 (2025)
Deeds & MortgagesOct 2025 Sale
Flood ZoneZone AE (high risk)
APN12860-002-000

Property Details

APN / Parcel Number

Primary APN12860-002-000

Interior

Bedrooms5 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,570 sqft Living Area
1st Floor Area2,570 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1994
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialOther
Lot Area28,401 sqft (0.652 acres)
Lot Dimensions222 ft deep x 128 ft wide
DrivewayDriveway
Driveway Area1,760 sqft
Pool Area480 sqft
PorchUnfinished Open Porch
Porch Area570 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address209 E BALDWIN RD
CityPANAMA CITY
StateFL
Zip32405-4205
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description28 3S 14W -4.4- 104B ST A B DEV CO PLAT BEG 124.33 E OF NW COR LOT 7 TH E 124.32 S 242.69 NW 131.31 N 201.14 TO POB ORB 961 P 1261 ORB 2895 P 2191
Legal Range14W
Legal Township03S
Legal Section28
Legal SubdivisionST A B DEV CO PLAT
Legal Lot Number7
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1072
Census Tract1501

Owner

Source: Bay County records · APN 12860-002-000

Assessment roll updated January 5, 2026 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address209 E BALDWIN RD, PANAMA CITY, FL 32405-4205
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 13, 2025 · Amount on Record
Deed SaleOct 13, 2025 · Amount on Record
Prior SaleMar 11, 2025 · Amount on Record
Deed Document Number202559161
Deed Book / Page4962 / 699
Prior Transfer DateFeb 12, 2007
Prior Transfer Doc0028952191
Record UpdatedJun 08, 2026

October 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateOct 13, 2025
Property Address209 E BALDWIN RD, PANAMA CITY, FL 32405-4205
Document Number0049620699
Book / Page4962 / 699
Instrument DateOct 06, 2025
Instrument2025059161
Transaction TypeTransfer
Record UpdatedNov 07, 2025
Title CompanyUNKNOWN, MAINSTAY TITLE AGENCY LLC

Transaction

AmountAmount Recorded
Tax$1,750.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1 FEDERAL ST # ST3RD, ST3RD, BOSTON, MA 02110-2012

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address209 E BALDWIN RD, PANAMA CITY, FL 32405-4205

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 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$3,371.00 (+5.64%)$272,452 (+6.74%) Land $76,736 Building $195,716$272,452 (+6.74%) Land $76,736 Building $195,716
2024$3,191.00 (+256.14%)$255,242 (+77.69%) Land $74,085 Building $181,157$255,242 (+1.59%) Land $74,085 Building $181,157
2023$896.00 (+3.82%) Homeowner's exemption Widower's exemption Additional exemption filed$143,644 (+3%)$251,242 (+9.54%) Land $68,364 Building $182,878
2022$863.00 Homeowner's exemption Widower's exemption Additional exemption filed$139,460$229,370 Land $62,784 Building $166,586

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 AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation35.3 ft
Flood Insurance RequirementRequired (federally backed mortgages)
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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