2910 Cedars Xing, Panama City, FL 32405 Property Records

Bay County property record for 2910 Cedars Xing, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 2007
Lot Size	0.152 acres (6,637 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2018)
Tax Bill	$2,053 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14805-108-000`

Property Details

APN / Parcel Number

Primary APN	`14805-108-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,770 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	1,770 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,637 sqft (0.152 acres)
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	455 sqft
Porch	Slab
Porch Area	170 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2910 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 8 ORB 4045 P 376
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDARS CROSSING
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2910 Cedars Xing is owned and occupied by an individual who bought it in September 2018.

Source: Bay County records, as of May 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2910 CEDARS XING, PANAMA CITY, FL 32405-6388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2018 · Amount on File
Deed Sale	Sep 6, 2018 · Amount on File
Prior Sale	Oct 24, 2007 · Amount on File
Deed Document Number	201853550
Deed Book / Page	4045 / 376
Record Updated	Oct 29, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 6, 2018
Property Address	2910 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0040450376
Book / Page	4045 / 0376
Map Reference	MB21 PG80
Instrument Date	Aug 31, 2018
Instrument	2018053550
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1723 E 3355 N, 1723, LAYTON, UT 84040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 N EAST AVE, PANAMA CITY, FL 32401-4675

Mortgage

Document Number	2018053551
Date	Sep 6, 2018
Instrument	2018053551

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

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	$2,053.00 (+3.32%) Homeowner's exemption	$205,582 (+7.52%)	$234,190 (+4.3%) Land $50,037 Building $184,153
2024	$1,987.00 (+2.16%)
2023	$1,945.00 (+11.59%) Homeowner's exemption	$191,206 (+3%)	$224,540 (+10.3%) Land $39,045 Building $185,495
2022	$1,743.00 Homeowner's exemption	$185,637	$203,569 Land $31,433 Building $172,136

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

Flood

FEMA maps place 2910 Cedars Xing in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2018.

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 File 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

Wildfire risk around 2910 Cedars Xing is low, with a 0.01% annual chance of 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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