Bay County property record for 2916 Bay Wing Loop, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,468 sqft · built 2007 |
| Lot Size | 0.388 acres (16,916 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Jan 2022) |
| Tax Bill | $6,845 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11854-251-000 |
| Primary APN | 11854-251-000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,468 sqft Living Area |
| Gross Area | 4,060 sqft |
| 1st Floor Area | 3,072 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 16,916 sqft (0.388 acres) |
| Garage Type | Attached |
| Garage Area | 592 sqft |
| Driveway | Driveway |
| Driveway Area | 1,444 sqft |
| Porch | Open Porch |
| Porch Area | 331 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2916 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 151 ORB 4513 P 1999 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 23 |
| Legal Subdivision | HAWKS LANDING |
| Legal Lot Number | 151 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 1301 |
Source: Bay County records · APN 11854-251-000
Assessment roll updated January 5, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 144 H L SUDDUTH DR, PANAMA CITY, FL 32404-7916 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 18, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 21, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Sep 18, 2017 | Quit Claim Deed, Transfer OTHER |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 20, 2022 · Amount on Record |
| Deed Sale | Jan 20, 2022 · Amount on Record |
| Prior Sale | Jan 08, 2008 · Amount on Record |
| Deed Document Number | 20224706 |
| Deed Book / Page | 4513 / 1999 |
| Prior Transfer Date | Sep 01, 2020 |
| Prior Transfer Doc | 0043000439 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 20, 2022 |
| Property Address | 2916 BAY WING LOOP, PANAMA CITY, FL 32405-6667 |
| Document Number | 0045131999 |
| Book / Page | 4513 / 1999 |
| Map Reference | MB 22 PG 41-59 |
| Instrument Date | Jan 19, 2022 |
| Instrument | 2022004706 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2805 REDTAIL ST, 2805, PANAMA CITY, FL 32405-6687 |
| Name | Verified Name |
|---|---|
| Address | 144 H L SUDDUTH DR, PANAMA CITY, FL 32404-7916 |
| Document Number | 0045132001 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 4513/2001 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2916 BAY WING LOOP, PANAMA CITY, FL 32405-6667 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043261336 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 4326/1336 |
| Instrument | 2020078122 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | May 01, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 21, 2020 |
| Property Address | 2916 BAY WING LOOP, PANAMA CITY, FL 32405-6667 |
| Document Number | 0043000439 |
| Book / Page | 004300 / 000439 |
| Instrument Date | Sep 01, 2020 |
| Instrument | 61523 |
| Transaction Type | Transfer |
| Record Updated | Oct 09, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 18, 2017 |
| Property Address | 2916 BAY WING LOOP, PANAMA CITY, FL 32405-6667 |
| Document Number | 0039371258 |
| Book / Page | 003937 / 001258 |
| Instrument Date | Jul 17, 2017 |
| Instrument | 53122 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2017 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2916 BAY WING LOOP PANAMA CITY FL 324056667, PANAMA CITY, FL 32405-6667 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,845.00 (-1.3%) | $455,008 (+3.78%) Land $76,666 Building $378,342 | $455,008 (+3.78%) Land $76,666 Building $378,342 |
| 2024 | $6,935.00 (+0.96%) | ||
| 2023 | $6,869.00 (+78.05%) | $438,421 (+43.25%) Land $64,856 Building $373,565 | $438,421 (+4.61%) Land $64,856 Building $373,565 |
| 2022 | $3,858.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $306,049 | $419,102 Land $60,715 Building $358,387 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 58 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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