3044 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 3044 E Baldwin Rd, Panama City, FL 32405 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 918 sqft · built 1982
Lot Size	0.109 acres (4,748 sqft)
Owner	Individual Name on File
Last Sale	$176,000 (Mar 2026)
Tax Bill	$1,913 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`12315-052-000`

Property Details

APN / Parcel Number

Primary APN	`12315-052-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	918 sqft Living Area
1st Floor Area	459 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2012
Architectural Style	Townhouse
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,748 sqft (0.109 acres)
Lot Dimensions	177 ft deep x 27 ft wide
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	55 sqft
Deck Area	170 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3044 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-6983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND CITY (9.79) 117B BEG NE COR LOT 1 TH W 27 ALG S R/W LINE BALDWIN RD S 177.40 E 27 N 177.40 ALG W R/W LINE ORMOND AVE TO POB BLK 19 ORB 4655 P 906
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

Owner

Source: Bay County records · APN 12315-052-000

Assessment roll updated January 5, 2026 · Last verified April 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 File
Mailing Address	3044 E BALDWIN RD, PANAMA CITY, FL 32405-6983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Feb 08, 2023	Warranty Deed, Transfer · Line of Credit THE FIRST A NATIONAL BANKING ASSN
Jun 13, 2022	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Jun 13, 2022 · Amount on Record
Deed Document Number	202618073
Deed Book / Page	5016 / 2167
Record Updated	Jun 08, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 25, 2026
Property Address	3044 E BALDWIN RD, PANAMA CITY, FL 32405-6983
Document Number	0050162167
Book / Page	5016 / 2167
Instrument Date	Mar 20, 2026
Instrument	2026018073
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,232.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3111 OGEECHEE RD, SAVANNAH, GA 31405-1524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3044 E BALDWIN RD, PANAMA CITY, FL 32405-6983

Mortgage

Document Number	0050162169
Date	Mar 25, 2026
Instrument	5016/2169

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 08, 2023
Property Address	3044 E BALDWIN RD, PANAMA CITY, FL 32405-6983
Document Number	0046550906
Book / Page	4655 / 906
Instrument Date	Jan 31, 2023
Instrument	2023007651
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	GLOBAL TTL PROFESSIONALS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 HARDEE DR, SAVANNAH, GA 31406-8904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3044 E BALDWIN RD, PANAMA CITY, FL 32405-6983

Mortgage

Document Number	0046550908
Date	Feb 08, 2023
Book Page	4655/908
Instrument	2023007652

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	SAVANNAH, GA 31405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 31, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 13, 2022
Property Address	3044 E BALDWIN RD, PANAMA CITY, FL 32405-6983
Document Number	0045751321
Book / Page	4575 / 1321
Map Reference	MB 4 PG 28
Instrument Date	Jun 10, 2022
Instrument	2022044190
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$945.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 JOSEPH CIR, 400, SOUTHPORT, FL 32409-3624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 HARDEE DR, SAVANNAH, GA 31406-8904

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,913.00 (-6.13%)	$120,680 (+5.78%) Land $16,018 Building $104,662	$120,680 (+5.78%) Land $16,018 Building $104,662
2024	$2,038.00 (+1.75%)	$114,091 (+0.38%) Land $14,855 Building $99,236	$114,091 (+0.38%) Land $14,855 Building $99,236
2023	$2,003.00 (+128.65%)	$113,661 (+108.43%) Land $13,041 Building $100,620	$113,661 (+108.43%) Land $13,041 Building $100,620
2022	$876.00	$54,531 Land $10,432 Building $44,099	$54,531 Land $10,432 Building $44,099

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050013021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 73 individual NFIP policies nearby
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 Storm	Tropical Storm Fred, Aug 2021 · 5 claims Hurricane Michael, Oct 2018 · 23 claims Severe Storms And Flooding, Jul 2013 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 258 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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