Bay County property record for 2912 Cedars Xing, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 2008 |
| Lot Size | 0.173 acres (7,545 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $219,000 (Feb 2008) |
| Tax Bill | $1,330 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14805-109-000 |
| Primary APN | 14805-109-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Heated Area |
| Gross Area | 2,278 sqft |
| 1st Floor Area | 1,620 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,545 sqft (0.173 acres) |
| Garage Area | 462 sqft |
| Driveway | Driveway |
| Driveway Area | 495 sqft |
| Porch | Porch |
| Porch Area | 196 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2912 CEDARS XING |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6388 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR'S CROSSING LOT 9 ORB 3024 P 1107 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | CEDAR'S CROSSING |
| Legal Lot Number | 9 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1200 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 2912 CEDARS XING, PANAMA CITY, FL 32405-6388 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2008 · Amount on Record |
| Deed Sale | Feb 22, 2008 · Amount on Record |
| Deed Document Number | 2008010270 |
| Deed Book / Page | 3024 / 1107 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2912 CEDARS XING, PANAMA CITY, FL 32405-6388 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039010993 |
|---|---|
| Date | May 17, 2017 |
| Book Page | 3901/0993 |
| Instrument | 2017028057 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Prepayment Penalty | 00 Months |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,330.00 (+3.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $152,179 (+5.99%) | $229,610 (+21.4%) Land $50,037 Building $179,573 |
| 2023 | $1,286.00 (+11.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $143,582 (+3%) | $189,133 (+10.86%) Land $39,045 Building $150,088 |
| 2022 | $1,152.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $139,400 | $170,599 Land $31,433 Building $139,166 |
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 |
|---|---|
| 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 |
|
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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