3112 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 3112 E Baldwin Rd, Panama City, FL 32405 · Last verified February 2026

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,369 sqft · built 1984
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Dec 2019)
Tax Bill	$1,529 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Apr 2019 Sale
Flood Zone	Zone A (high risk)
APN	`12370-055-010`

Property Details

APN / Parcel Number

Primary APN	`12370-055-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,369 sqft Heated Area
Gross Area	1,774 sqft
1st Floor Area	687 sqft
2nd Floor Area	682 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2014
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	135 ft deep x 45 ft wide
Garage Area	315 sqft

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Patio Area	100 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3112 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-6981
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	HIGHLAND CITY (8.90) 117B BEG 231.20' E OF NW COR LOT 8 TH E 45.8' S 135' W 45.8' N
Legal Range	14W
Legal Township	03S
Legal Section	27
Legal Subdivision	HIGHLAND CITY
Legal Block	20
Legal Lot Number	8
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1038
Census Tract	1302

Owner

Source: Bay County records · APN 12370-055-010

Assessment roll updated July 1, 2025 · Last verified February 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	3112 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2019	Warranty Deed, Transfer · USDA Mortgage BAY COUNTY BORD OF COMMISSIONERS
Apr 26, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Prior Sale	Apr 26, 2019 · Amount on Record
Deed Document Number	2019108792
Deed Book / Page	4205 / 1262
Record Updated	Jun 08, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 27, 2019
Property Address	3112 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0042051262
Book / Page	4205 / 1262
Instrument Date	Dec 23, 2019
Instrument	2019108792
Transaction Type	Transfer
Record Updated	Feb 06, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	513 BAINBRIDGE ST, 513, PANAMA CITY BEACH, FL 32413-2850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3112 E BALDWIN RD, PANAMA CITY, FL 32405-6981

Mortgage

Document Number	0000000000
Date	Dec 27, 2019
Instrument	4205-1264

Lender

Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Dec 23, 2052

Mortgage

Document Number	0042051270
Date	Dec 27, 2019
Book Page	4205/1270
Instrument	2019108794

Lender

Name	BAY COUNTY BORD OF COMMISSIONERS
Type	Government Agency

Agreement

Amount	Amount Recorded

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 26, 2019
Property Address	3112 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0041161535
Book / Page	004116 / 001535
Instrument Date	Apr 19, 2019
Instrument	41651
Transaction Type	Transfer
Record Updated	May 07, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 BAINBRIDGE ST PANAMA CITY BEACH FL 324132850, PANAMA CITY BEACH, FL 32413-2850

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,529.00 (-8.5%) Homeowner's exemption	$138,537 (+5.99%)	$150,207 (+6.84%) Land $24,662 Building $125,545
2023	$1,671.00 (+9%) Homeowner's exemption	$130,712 (+3%)	$140,593 (+9.68%) Land $20,079 Building $120,514
2022	$1,533.00 Homeowner's exemption	$126,905	$128,179 Land $16,063 Building $112,116

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	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 680 per year
Exposure	Direct burnable vegetation at the parcel

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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