2605 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 2605 E Baldwin Rd, Panama City, FL 32405 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 736 sqft · built 1947
Lot Size	0.078 acres (3,441 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Apr 2025)
Tax Bill	$1,396 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12025-000-000`

Property Details

APN / Parcel Number

Primary APN	`12025-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	736 sqft Heated Area
Gross Area	1,274 sqft
1st Floor Area	736 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2007
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	3,441 sqft (0.078 acres)
Lot Dimensions	50 ft deep x 69 ft wide
Garage Area	312 sqft
Porch	Porch
Porch Area	226 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2605 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-5807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND CITY (13.1) W 69' OF LOT 13 BLK 7 ORB 4902 P 1554
Legal Range	14W
Legal Township	03S
Legal Section	27
Legal Subdivision	HIGHLAND CITY
Legal Block	7
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	5
Census Block	5009
Census Tract	1302

Owner

Source: Bay County records · APN 12025-000-000

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 Record	Individual Name on File
Mailing Address	2605 E BALDWIN RD, PANAMA CITY, FL 32405-5807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 06, 2022	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
May 03, 2021	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Sep 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 11, 2025 · Amount on Record
Deed Sale	Apr 11, 2025 · Amount on Record
Prior Sale	Sep 29, 2020
Deed Document Number	0049021554
Deed Book / Page	4902 / 1554
Record Updated	Jun 08, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2605 E BALDWIN RD, PANAMA CITY, FL 32405-5807
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 565, LYNN HAVEN, FL 32444-0565

Mortgage

Document Number	0045721704
Date	Jun 06, 2022
Book Page	4572/1704
Instrument	2022042455

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2605 E BALDWIN RD, PANAMA CITY, FL 32405-5807
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 565, LYNN HAVEN, FL 32444-0565

Mortgage

Document Number	0044000232
Date	May 03, 2021
Book Page	4400/232
Instrument	2021032911

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 29, 2020
Property Address	2605 E BALDWIN RD, PANAMA CITY, FL 32405-5807
Document Number	0043040553
Book / Page	004304 / 000553
Instrument Date	Sep 07, 2020
Instrument	64148
Transaction Type	Transfer
Record Updated	Oct 09, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 565 LYNN HAVEN FL 324440565, LYNN HAVEN, FL 32444-0565

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 12, 2017
Property Address	2605 E BALDWIN RD, PANAMA CITY, FL 32405-5807
Document Number	0039351144
Book / Page	003935 / 001144
Instrument Date	Sep 08, 2017
Instrument	51575
Transaction Type	Transfer
Record Updated	Oct 03, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3480 LODGE DR CHIPLEY FL 324285634, CHIPLEY, FL 32428-5634

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,396.00 (+849.66%)	$117,183 (+248.52%) Land $17,912 Building $99,271	$117,183 (+38.96%) Land $17,912 Building $99,271
2023	$147.00 (-26.5%) Homeowner's exemption	$33,623 (-13.61%)	$84,329 (+116.63%) Land $13,190 Building $71,139
2022	$200.00 Homeowner's exemption	$38,919	$38,928 Land $10,584 Building $28,344

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 120050013025, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 115 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	5 (2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Oct 2018, other causes, Hurricane Michael
Claims By Storm	Hurricane Michael, Oct 2018 · 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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 242 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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