2926 Cedars Xing, Panama City, FL 32405 Property Records

Bay County property record for 2926 Cedars Xing, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 2009
Lot Size	0.158 acres (6,924 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Mar 2018)
Tax Bill	$2,456 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14805-114-000`

Property Details

APN / Parcel Number

Primary APN	`14805-114-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,316 sqft Heated Area
Gross Area	2,097 sqft
1st Floor Area	1,316 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,924 sqft (0.158 acres)
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	512 sqft
Porch	Porch
Porch Area	319 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2926 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 14 ORB 3986 P 1238
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR'S CROSSING
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2926 Cedars Xing is owned by an individual who bought it in March 2018.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	3603 E 5TH ST, PANAMA CITY, FL 32401-5517
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage DONALD W SCHOFIELD
Mar 7, 2018	Grant Deed, Transfer · Conventional with PMI DONALD W SCHOFIELD
Dec 5, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2018 · Amount on File
Deed Sale	Mar 7, 2018 · Amount on File
Prior Sale	Dec 5, 2017 · Amount on File
Deed Document Number	2018013312
Deed Book / Page	3986 / 1238
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2926 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0039950447
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2926 CEDARS XING PANAMA CITY FL 324056388, PANAMA CITY, FL 32405-6388

Mortgage

Document Number	0039950447
Date	Apr 3, 2018
Book Page	003995/000447
Instrument	19514

Lender

Name	DONALD W SCHOFIELD
Address	610 HAVENS CORNERS RD, GAHANNA, OH 43230-3112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Mar 7, 2018
Property Address	2926 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0039861238
Book / Page	003986 / 001238
Instrument Date	Jan 29, 2018
Instrument	13312
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 E 5TH ST PANAMA CITY FL 324015517, PANAMA CITY, FL 32401-5517

Mortgage

Document Number	39861242
Date	Mar 7, 2018
Book Page	003986/001242
Instrument	13313

Lender

Name	DONALD W SCHOFIELD
Address	610 HAVENS CORNERS RD, GAHANNA, OH 43230-3112

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Mar 6, 2033

Interest

Rate	8%

December 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BAY FL
Recording Date	Dec 5, 2017
Property Address	2926 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0039601264
Book / Page	003960 / 001264
Instrument Date	Dec 1, 2017
Instrument	69907
Transaction Type	Foreclosure
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	2926 CEDARS XING SAN BERNARDINO CA 92405, SAN BERNARDINO, CA 92405
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2926 Cedars Xing was $2,456.

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	$2,456.00	$205,359 Land $50,037 Building $155,322	$205,359 Land $50,037 Building $155,322
2023	$2,131.00 (+19.05%)	$176,231 (+11.08%) Land $39,045 Building $137,186	$176,231 (+11.08%) Land $39,045 Building $137,186
2022	$1,790.00	$158,646 Land $31,433 Building $127,213	$158,646 Land $31,433 Building $127,213

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2926 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	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

Wildfire risk around 2926 Cedars Xing is moderate, ranking above 69% of the US, with a 0.2% annual chance of 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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