Bay County property record for 2915 Cedars Xing, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,674 sqft · built 2007 |
| Lot Size | 0.234 acres (10,235 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $222,000 (May 2007) |
| Tax Bill | $2,688 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14805-123-000 |
| Primary APN | 14805-123-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,674 sqft Heated Area |
| Gross Area | 2,339 sqft |
| 1st Floor Area | 1,674 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,235 sqft (0.234 acres) |
| Garage Area | 462 sqft |
| Driveway | Driveway |
| Driveway Area | 546 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 203 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2915 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 23 ORB 2682 P 998 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | CEDAR'S CROSSING |
| Legal Lot Number | 23 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1200 |
The current owner of 2915 Cedars Xing bought it in May 2007.
Source: Bay County records, as of January 23, 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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 11949 BRADY RD, JACKSONVILLE, FL 32223-1849 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2007 · Amount on File |
| Deed Sale | May 29, 2007 · Amount on File |
| Deed Document Number | 2007-035384 |
| Deed Book / Page | 2928 / 0892 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2915 CEDARS XING, PANAMA CITY, FL 32405-6388 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 11949 BRADY RD, JACKSONVILLE, FL 32223-1849 |
| Document Number | 0043060077 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 4306/77 |
| Instrument | 2020065225 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 2915 Cedars Xing was $2,688.
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 | $2,688.00 | $222,334 Land $50,037 Building $172,297 | $222,334 Land $50,037 Building $172,297 |
| 2023 | $2,342.00 (+18.82%) | $193,475 (+10.63%) Land $39,045 Building $154,430 | $193,475 (+10.63%) Land $39,045 Building $154,430 |
| 2022 | $1,971.00 | $174,882 Land $31,433 Building $143,449 | $174,882 Land $31,433 Building $143,449 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2915 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 |
|
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 risk around 2915 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.
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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