2913 Cedars Xing, Panama City, FL 32405 Property Records

Bay County property record for 2913 Cedars Xing, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,665 sqft · built 2014
Lot Size	0.183 acres (7,986 sqft)
Owner	Individual Name on Record
Last Sale	$191,000 (Jul 2018)
Tax Bill	$2,974 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14805-124-000`

Property Details

APN / Parcel Number

Primary APN	`14805-124-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,665 sqft Heated Area
Gross Area	2,261 sqft
1st Floor Area	1,665 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,986 sqft (0.183 acres)
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	800 sqft

Exterior Amenities

Porch	Porch
Porch Area	196 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2913 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 24 ORB 4025 P 2295
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR'S CROSSING
Legal Lot Number	24
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 23, 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	2125 TOURNAMENT DR, CHATTANOOGA, TN 37421-7937
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 10, 2018	Special Warranty Deed, Transfer · Conventional Mortgage FIRST FLORIDA BANK
Jan 2, 2018	Warranty Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2018 · Amount on Record
Deed Sale	Jul 10, 2018 · Amount on Record
Prior Sale	Jan 2, 2018
Deed Document Number	2018040508
Deed Book / Page	4025 / 2295
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2913 CEDARS XING, PANAMA CITY, FL 32405-6388
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042451102
Date	Apr 23, 2020
Book Page	4245/1102
Instrument	2020027688

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 10, 2018
Property Address	2913 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0040252295
Book / Page	4025 / 2295
Map Reference	MB21 PG80-88
Instrument Date	Jul 2, 2018
Instrument	2018040508
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 CEDARS XING, PANAMA CITY, FL 32405-6388

Mortgage

Document Number	2018040509
Date	Jul 10, 2018
Instrument	2018040509

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

January 2018: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 2, 2018
Property Address	2913 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0039671492
Book / Page	003967 / 001492
Instrument Date	Dec 18, 2017
Instrument	245
Transaction Type	Foreclosure
Record Updated	Jan 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE #760W NASHVILLE TN 372031042, 760W, NASHVILLE, TN 37203-1042

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$2,974.00 (+77.13%)	$246,939 (+45.31%) Land $50,037 Building $196,902	$246,939 (+16.94%) Land $50,037 Building $196,902
2023	$1,679.00 (+11.56%) Homeowner's exemption	$169,941 (+3%)	$211,162 (+10.55%) Land $39,045 Building $172,117
2022	$1,505.00 Homeowner's exemption	$164,991	$191,003 Land $31,433 Building $159,570

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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