2606 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 2606 E Baldwin Rd, Panama City, FL 32405 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,953 sqft · built 1952
Lot Size	0.328 acres (14,331 sqft)
Owner	Individual Name on File
Tax Bill	$695 (2025)
Deeds & Mortgages	May 2019 Mortgage Dec 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12256-000-000`

Property Details

APN / Parcel Number

Primary APN	`12256-000-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,953 sqft Heated Area
Gross Area	2,961 sqft
1st Floor Area	1,953 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1992
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	14,331 sqft (0.328 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Area	288 sqft

Exterior Amenities

Porch	Porch
Porch Area	398 sqft
Fence	Fence
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2606 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-5808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND CITY LOTS 23 & 24 AND BEG NE COR LOT 22 TH S 7.49'
Legal Range	14W
Legal Township	03S
Legal Section	27
Legal Subdivision	HIGHLAND CITY
Legal Block	14
Legal Lot Number	22-24
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3002
Census Tract	1302

Owner

Source: Bay County records · APN 12256-000-000

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
Co-owner	Verified Secondary Owner
Mailing Address	2606 E BALDWIN RD, PANAMA CITY, FL 32405-5808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Dec 10, 2020	Loan Modification, Mortgage US SMALL BUSN ADMN
May 20, 2020	Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Dec 09, 2019	Loan Modification, Mortgage US SMALL BUSINESS ADMINISTRATI
Aug 20, 2018	Deed of Trust, Mortgage BAY COUNTY BOARD/COMMISSIONERS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Dec 30, 2005
Transfer Doc	0027201828
Record Updated	Jun 08, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2606 E BALDWIN RD, PANAMA CITY, FL 32405-5808
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041271643
Date	May 28, 2019
Book Page	4127/1643
Instrument	2019050450

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	2606 E BALDWIN RD, PANAMA CITY, FL 32405-5808
Document Number	0043360551
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043360551
Date	Dec 10, 2020
Book Page	004336/000551
Instrument	83776

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 09, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	2606 E BALDWIN RD, PANAMA CITY, FL 32405-5808
Document Number	0042540004
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2606 E BALDWIN RD PANAMA CITY FL 324055808, PANAMA CITY, FL 32405-5808

Mortgage

Document Number	0042540004
Date	May 21, 2020
Book Page	004254/000004
Instrument	33201

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	2606 E BALDWIN RD, PANAMA CITY, FL 32405-5808
Document Number	0041991013
Instrument Date	Dec 09, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2606 E BALDWIN RD PANAMA CITY FL 324055808, PANAMA CITY, FL 32405-5808

Mortgage

Document Number	0041991013
Date	Dec 09, 2019
Book Page	004199/001013
Instrument	104709

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	2 20TH ST N # 320, BIRMINGHAM, AL 35203-4002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 08, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2606 E BALDWIN RD, PANAMA CITY, FL 32405-5808
Document Number	0040432091
Instrument Date	Aug 20, 2018
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2606 E BALDWIN RD PANAMA CITY FL 324055808, PANAMA CITY, FL 32405-5808

Mortgage

Document Number	0040432091
Date	Aug 31, 2018
Book Page	004043/002091
Instrument	52722

Lender

Name	BAY COUNTY BOARD/COMMISSIONERS

Agreement

Amount	Amount Recorded

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$695.00 (+2.21%) Homeowner's exemption Widower's exemption	$100,871 (+5.99%)	$176,741 (+20.65%) Land $45,778 Building $130,963
2023	$680.00 (+2.87%) Homeowner's exemption Widower's exemption	$95,173 (+3%)	$146,495 (+12.85%) Land $33,709 Building $112,786
2022	$661.00 Homeowner's exemption Widower's exemption	$92,401	$129,811 Land $27,050 Building $102,761

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 120050013023, 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 46 individual NFIP policies nearby
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, other causes, Hurricane Michael
Claims By Storm	Hurricane Michael, Oct 2018 · 11 claims Severe Storms And Flooding, Jul 2013 · 2 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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