2929 Cedars Xing, Panama City, FL 32405 Property Records

Bay County property record for 2929 Cedars Xing, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,605 sqft · built 2006
Lot Size	0.141 acres (6,162 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Nov 2020)
Tax Bill	$2,183 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14805-116-000`

Property Details

APN / Parcel Number

Primary APN	`14805-116-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,605 sqft Heated Area
Gross Area	2,172 sqft
1st Floor Area	1,605 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,162 sqft (0.141 acres)
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	592 sqft

Exterior Amenities

Porch	Porch
Porch Area	127 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2929 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 16 ORB 4320 P 106
Legal Range	14W
Legal Township	03S
Legal Section	35
Legal Subdivision	CEDAR'S CROSSING
Legal Lot Number	16
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2003
Census Tract	1200

Owner

2929 Cedars Xing is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2929 CEDARS XING, PANAMA CITY, FL 32405-6388
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Nov 6, 2006 · Amount on File
Deed Document Number	2020074210
Deed Book / Page	4320 / 106
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 4, 2020
Property Address	2929 CEDARS XING, PANAMA CITY, FL 32405-6388
Document Number	0043200106
Book / Page	4320 / 106
Map Reference	MB 21 PG 80
Instrument Date	Oct 29, 2020
Instrument	2020074210
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12800 STONECREEK DR, 12800, PICKERINGTON, OH 43147-8919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2929 CEDARS XING, PANAMA CITY, FL 32405-6388

Mortgage

Document Number	0004320108
Date	Nov 4, 2020
Instrument	4320/108

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2929 Cedars Xing was $2,183 with a homeowner's exemption.

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	$2,183.00 Homeowner's exemption	$216,069	$236,065 Land $50,037 Building $186,028
2023	$2,103.00 (+11.56%) Homeowner's exemption	$203,864 (+3%)	$219,550 (+10.49%) Land $39,045 Building $180,505
2022	$1,885.00 Homeowner's exemption	$197,926	$198,707 Land $31,433 Building $167,274

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

Flood

FEMA maps place 2929 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 2929 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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