2906 Cedars Xing, Panama City, FL 32405 Property Records

Bay County property record for 2906 Cedars Xing, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,563 sqft · built 2006
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Aug 2021)
Tax Bill	$2,166 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14805-106-000`

Property Details

APN / Parcel Number

Primary APN	`14805-106-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,563 sqft Living Area
Gross Area	2,046 sqft
1st Floor Area	1,563 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Attached
Garage Area	483 sqft
Driveway	Driveway
Driveway Area	752 sqft
Porch	Open Porch
Porch Area	214 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2906 CEDARS XING
City	PANAMA CITY
State	FL
Zip	32405-6388
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CEDARS CROSSING LOT 6 ORB 4448 P 1774
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDARS CROSSING
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

Source: Bay County records, as of January 5, 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 Record
Mailing Address	2906 CEDARS XING, PANAMA CITY, FL 32405-6388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA
Jul 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Jun 1, 2017 · Amount on Record
Deed Document Number	202163323
Deed Book / Page	4448 / 1774
Prior Transfer Date	Jun 3, 2017
Prior Transfer Doc	0039141963
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 18, 2021
Property Address	2906 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0044481774
Book / Page	4448 / 1774
Map Reference	MB 21 PG 80-88
Instrument Date	Aug 17, 2021
Instrument	2021063323
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 36936, PANAMA CITY, FL 32412-6936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2906 CEDARS XING, PANAMA CITY, FL 32405-6388

Mortgage

Document Number	0044481776
Date	Aug 18, 2021
Instrument	4448/1776

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 3, 2017
Property Address	2906 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0039141963
Book / Page	003914 / 001963
Instrument Date	Jun 3, 2017
Instrument	37352
Transaction Type	Transfer
Record Updated	Aug 8, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2906 CEDARS XING PANAMA CITY FL 324056388, PANAMA CITY, FL 32405-6388

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,166.00 (+1.79%) Homeowner's exemption	$214,714 (+6.14%)	$235,304 (+8.18%) Land $50,037 Building $185,267
2024	$2,128.00 (+2.11%)
2023	$2,084.00 (+11.56%) Homeowner's exemption	$202,299 (+3%)	$217,508 (+10.74%) Land $39,045 Building $178,463
2022	$1,868.00 Homeowner's exemption	$196,407 Land $31,433 Building $164,974	$196,407 Land $31,433 Building $164,974

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	9 (2018–2020)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Michael, Oct 2018 · 8 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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