2920 Cedars Xing, Panama City, FL 32405 Property Records

Bay County property record for 2920 Cedars Xing, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 2007
Lot Size	0.164 acres (7,165 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jul 2022)
Tax Bill	$3,109 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14805-111-000`

Property Details

APN / Parcel Number

Primary APN	`14805-111-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,690 sqft Heated Area
Gross Area	2,355 sqft
1st Floor Area	1,690 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,165 sqft (0.164 acres)
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	512 sqft

Exterior Amenities

Porch	Porch
Porch Area	203 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2920 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 11 ORB 4584 P 125
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR'S CROSSING
Legal Lot Number	11
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2920 CEDARS XING, PANAMA CITY, FL 32405-6388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	May 16, 2007 · Amount on Record
Deed Document Number	2022049870
Deed Book / Page	4584 / 125
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 1, 2022
Property Address	2920 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0045840125
Book / Page	4584 / 125
Map Reference	MB 21 PG 80
Instrument Date	Jun 30, 2022
Instrument	2022049870
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 NASON RD, 40, NEWPORT, ME 04953-3449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3460 LAKE CENTER DR APT 5106, 5106, MOUNT DORA, FL 32757-2393

Mortgage

Document Number	0004584127
Date	Jul 1, 2022
Instrument	4584/127

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Mortgage

Document Number	0045840138
Date	Jul 1, 2022
Book Page	4584/138
Instrument	2022049872

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$3,109.00 (+4.57%)	$251,329 (+7.29%) Land $50,037 Building $201,292	$251,329 (+7.29%) Land $50,037 Building $201,292
2023	$2,973.00 (+37.13%)	$234,251 (+8.52%) Land $39,045 Building $195,206	$234,251 (+8.52%) Land $39,045 Building $195,206
2022	$2,168.00	$215,866 Land $31,433 Building $184,433	$215,866 Land $31,433 Building $184,433

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	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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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