Bay County property record for 2328 E Baldwin Rd, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft · built 1972 |
| Lot Size | 1.01 acres (44,083 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $65,000 (Jul 1995) |
| Tax Bill | $861 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 12137-010-000 |
| Primary APN | 12137-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Heated Area |
| Gross Area | 1,532 sqft |
| 1st Floor Area | 2,052 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 44,083 sqft (1.01 acres) |
| Lot Dimensions | 294 ft deep x 150 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 380 sqft |
| Deck Area | 216 sqft |
| Patio Area | 432 sqft |
| Fence | Fence |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2328 E BALDWIN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-5802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND CITY (4.02) BEG 30' E & 23.21' S OF NW COR LOT 4 TH S 291.79' E 150' |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HIGHLAND CITY |
| Legal Block | 12 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 1302 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2328 E BALDWIN RD, PANAMA CITY, FL 32405-5802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 1995 · Amount on Record |
| Deed Sale | Jul 25, 1995 · Amount on Record |
| Deed Document Number | 0015781793 |
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $861.00 (+0.7%) Homeowner's exemption | $109,222 (+4.87%) | $168,103 (+22.23%) Land $75,240 Building $92,863 |
| 2023 | $855.00 (+8.92%) Homeowner's exemption | $104,148 (+1.47%) | $137,533 (+12.98%) Land $55,404 Building $82,129 |
| 2022 | $785.00 Homeowner's exemption | $102,638 | $121,729 Land $44,460 Building $77,269 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 21 (1998–2018) |
| Claims Outside the SFHA | 6 of 21 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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