Bay County property record for 3026 E Baldwin Rd, Panama City, FL 32405
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 918 sqft · built 1982 |
| Lot Size | 0.073 acres (3,180 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Dec 2022) |
| Tax Bill | $2,032 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Feb 2018 Transfer |
| Flood Zone | Zone A (high risk) |
| APN | 12315-032-000 |
| Primary APN | 12315-032-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 918 sqft Heated Area |
| Gross Area | 973 sqft |
| 1st Floor Area | 459 sqft |
| 2nd Floor Area | 459 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 3,180 sqft (0.073 acres) |
| Lot Dimensions | 177 ft deep x 18 ft wide |
| Porch | Porch |
| Porch Area | 55 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3026 E BALDWIN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6983 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | HIGHLAND CITY (9.58) 117B BEG 52.50' E OF NW COR LOT 1 TH S 177.40' E 18' N 177.40' |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HIGHLAND CITY |
| Legal Block | 19 |
| Legal Lot Number | 1 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 1302 |
Source: Bay County records, as of January 23, 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 Record |
|---|---|
| Mailing Address | 3026 E BALDWIN RD, PANAMA CITY, FL 32405-6983 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage SMARTBANK |
| Feb 8, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2022 · Amount on Record |
| Deed Sale | Dec 2, 2022 · Amount on Record |
| Prior Sale | Jul 18, 2016 · Amount on Record |
| Deed Document Number | 0004636986 |
| Deed Book / Page | 4636 / 986 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 2, 2022 |
| Property Address | 3026 E BALDWIN RD, PANAMA CITY, FL 32405-6983 |
| Document Number | 0046360986 |
| Book / Page | 4636 / 986 |
| Instrument Date | Dec 2, 2022 |
| Instrument | 2022086192 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2022 |
| Title Company | FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 403 S MACARTHUR AVE, PANAMA CITY, FL 32401-3946 |
| Name | Verified Name |
|---|---|
| Address | 3026 E BALDWIN RD, PANAMA CITY, FL 32405-6983 |
| Document Number | 0004636988 |
|---|---|
| Date | Dec 2, 2022 |
| Instrument | 4636/988 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 8, 2018 |
| Property Address | 3026 E BALDWIN RD, PANAMA CITY, FL 32405-6983 |
| Document Number | 0039780578 |
| Book / Page | 003978 / 000578 |
| Instrument Date | Feb 7, 2018 |
| Instrument | 7563 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 418 S MACARTHUR AVE PANAMA CITY BEACH FL 324013947, PANAMA CITY BEACH, FL 32401-3947 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,032.00 (-2.96%) | $128,137 (+7.68%) Land $10,678 Building $117,459 | $128,137 (+7.68%) Land $10,678 Building $117,459 |
| 2023 | $2,094.00 (+98.67%) | $118,998 (+106.54%) Land $8,694 Building $110,304 | $118,998 (+106.54%) Land $8,694 Building $110,304 |
| 2022 | $1,054.00 | $57,614 Land $6,955 Building $50,659 | $57,614 Land $6,955 Building $50,659 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 73 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 73 in force |
| Nearby Flood Claims | 45 (2002–2021) |
| Claims Outside the SFHA | 27 of 45 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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