3004 Bay Wing Loop, Panama City, FL 32405 Property Records

Bay County property record for 3004 Bay Wing Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,448 sqft · built 2009
Lot Size	0.216 acres (9,451 sqft)
Owner	Individual Name on File
Last Sale	$530,422 (Dec 2025)
Tax Bill	$4,416 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11854-232-000`

Property Details

APN / Parcel Number

Primary APN	`11854-232-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,448 sqft Heated Area
Gross Area	3,371 sqft
1st Floor Area	2,448 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,451 sqft (0.216 acres)
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	684 sqft

Exterior Amenities

Porch	Porch
Porch Area	483 sqft
Patio Area	330 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3004 BAY WING LOOP
City	PANAMA CITY
State	FL
Zip	32405-6669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWKS LANDING 116C LOT 132 ORB 3182 P 1493
Legal Range	14W
Legal Township	03S
Legal Section	23
Legal Subdivision	HAWKS LANDING
Legal Lot Number	132
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2055
Census Tract	1301

Owner

3004 Bay Wing Loop is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3004 BAY WING LOOP, PANAMA CITY, FL 32405-6669
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	Dec 19, 2025 · Amount on File
Deed Sale	Dec 19, 2025 · Amount on File
Prior Sale	Sep 8, 2009 · Amount on File
Deed Document Number	2025074513
Deed Book / Page	4985 / 2362
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 19, 2025
Property Address	3004 BAY WING LOOP, PANAMA CITY, FL 32405-6669
Document Number	0049852362
Book / Page	4985 / 2362
Map Reference	MB 22 PG 41
Instrument Date	Dec 19, 2025
Instrument	2025074513
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,713.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 HARFORD RD, BALTIMORE, MD 21218-3113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 BAY WING LOOP, PANAMA CITY, FL 32405-6669

Mortgage

Document Number	0049852364
Date	Dec 19, 2025
Instrument	4985/2364

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 3004 Bay Wing Loop was $4,416 with a homeowner's exemption, down 2.5% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Lynn Haven City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,416.00 (-2.47%) Homeowner's exemption	$335,203 (+2.9%)	$389,419 (+2.17%) Land $76,666 Building $312,753
2024	$4,528.00 (+2.91%) Homeowner's exemption	$325,756 (+3%)	$381,163 (+1.79%) Land $75,000 Building $306,163
2023	$4,400.00 (+24.65%) Homeowner's exemption	$316,268 (+13.74%)	$374,456 (+24%) Land $64,856 Building $309,600
2022	$3,530.00 Homeowner's exemption	$278,063	$301,982 Land $60,715 Building $241,267

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

Flood

FEMA maps place 3004 Bay Wing Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Michael, Oct 2018 · 48 claims Severe Storms And Flooding, Jul 2013 · 3 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 3004 Bay Wing Loop is low, with a 0.04% 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	0.04% 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	LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people · EPA ID FL1030435
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Nov 2024
Lead	4 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	1 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 58 locations within half a mile, as of December 31, 2025

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