Bay County property record for 2912 Bay Wing Loop, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,943 sqft · built 2009 |
| Lot Size | 0.269 acres (11,708 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $321,000 (Jan 2010) |
| Tax Bill | $254 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11854-253-000 |
| Primary APN | 11854-253-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,943 sqft Living Area |
| Gross Area | 3,383 sqft |
| 1st Floor Area | 2,668 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,708 sqft (0.269 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 884 sqft |
| Pool Area | 480 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 488 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2912 BAY WING LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UND |
| Legal Description | HAWKS LANDING 116C LOT 153 ORB 3212 P 923 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 23 |
| Legal Subdivision | HAWKS LANDING |
| Legal Lot Number | 153 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 1301 |
Source: Bay County records, as of March 27, 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 | 2912 BAY WING LOOP, PANAMA CITY, FL 32405-6667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 12, 2010 · Amount on Record |
| Deed Sale | Jan 12, 2010 · Amount on Record |
| Deed Document Number | 20101655 |
| Deed Book / Page | 3212 / 923 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2912 BAY WING LOOP, PANAMA CITY, FL 32405-6667 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2912 BAY WING LOOP, PANAMA CITY, FL 32405-6667 |
| Document Number | 0043921907 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 4392/1907 |
| Instrument | 2021028525 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Address | PORT HURON, MI 48060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Dec 1, 2050 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $344,456 (+5.99%) | $409,159 (+11.99%) Land $76,666 Building $332,493 | |
| 2024 | $254.00 (+9.96%) | ||
| 2023 | $231.00 (+66.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $324,998 (+3%) | $365,356 (+6.92%) Land $64,856 Building $300,500 |
| 2022 | $139.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $315,532 | $341,723 Land $60,715 Building $281,008 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 325 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 325 in force |
| Nearby Flood Claims | 60 (1998–2021) |
| Claims Outside the SFHA | 27 of 60 |
| Most Recent Claim | Aug 2021 · Tropical Storm Fred |
| 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people · EPA ID FL1030435 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Nov 2024 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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