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3114 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 3114 E Baldwin Rd, Panama City, FL 32405 · Last verified February 2026

Property Summary

Property TypeTownhouse
Details3 bd · 3 ba · 1,369 sqft · built 1984
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on File
Last Sale$153,000 (Jan 2021)
Tax Bill$2,435 (2025)
Deeds & MortgagesJan 2021 Sale & Mortgage
Dec 2019 Transfer
Flood ZoneZone A (high risk)
APN12370-060-000

Property Details

APN / Parcel Number

Primary APN12370-060-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,369 sqft Heated Area
Gross Area1,854 sqft
1st Floor Area687 sqft
2nd Floor Area682 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2014
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,663 sqft (0.13 acres)
Lot Dimensions135 ft deep x 42 ft wide
Garage Area315 sqft
DrivewayDriveway
Driveway Area380 sqft

Exterior Amenities

PorchPorch
Porch Area128 sqft
Patio Area70 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3114 E BALDWIN RD
CityPANAMA CITY
StateFL
Zip32405-6981
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionHIGHLAND CITY (8.37) 117B BEG 277' E OF NW COR LOT 8 TH TH E 42.5' S 135' W 42.5'
Legal Range14W
Legal Township03S
Legal Section27
Legal SubdivisionHIGHLAND CITY
Legal Block20
Legal Lot Number8
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1038
Census Tract1302

Owner

Source: Bay County records · APN 12370-060-000

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address432 PEAK COPPER CT, LEXINGTON, SC 29073-5901
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 12, 2021Warranty Deed, Transfer · Conventional Mortgage
ZILLOW HOME LOANS LLC
Dec 17, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 12, 2021 · Amount on Record
Deed SaleJan 12, 2021 · Amount on Record
Prior SaleDec 17, 2019
Deed Document Number2021002313
Deed Book / Page4349 / 1755
Record UpdatedJun 08, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJan 12, 2021
Property Address3114 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number0043491755
Book / Page4349 / 1755
Instrument DateJan 07, 2021
Instrument2021002313
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyDIAMOND TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,071.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address21001 S LAKEVIEW DR, 21001, PANAMA CITY BEACH, FL 32413-3440

Transferred To (Grantee/Buyer)

NameVerified Name
Address557 MILLER AVE, BROOKLYN, NY 11207-5505

Mortgage

Document Number0043491757
DateJan 12, 2021
Instrument4349/1757
Lender
NameZILLOW HOME LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2051

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateDec 17, 2019
Property Address3114 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number0042020630
Book / Page004202 / 000630
Instrument DateDec 09, 2019
Instrument106658
Transaction TypeTransfer
Record UpdatedJan 06, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address21001 S LAKEVIEW DR ROSEMARY BEACH FL 324133440, ROSEMARY BEACH, FL 32413-3440

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalitySpringfield City
Unified School DistrictBay 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,435.00 (-5.07%)$153,594 (+6.04%) Land $23,018 Building $130,576$153,594 (+6.04%) Land $23,018 Building $130,576
2023$2,565.00 (+19.75%)$144,842 (+9.22%) Land $18,740 Building $126,102$144,842 (+9.22%) Land $18,740 Building $126,102
2022$2,142.00$132,618 Land $14,992 Building $117,626$132,618 Land $14,992 Building $117,626

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 ZoneZone A
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 73 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies73 in force
Nearby Flood Claims45 (2002–2021)
Claims Outside the SFHA27 of 45
Most Recent ClaimOct 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 RiskModerate
above 62% of the US · above 36% of Florida
Wildfire LikelihoodAbout 1 in 680 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
WOW Internet, Cable & PhoneCable1,200 / 50
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (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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