Bay County property record for 3118 E Baldwin Rd, Panama City, FL 32405
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 1 ba · 972 sqft · built 1984 |
| Lot Size | 0.262 acres (11,456 sqft) |
| Owner | Company Name on File |
| Tax Bill | $6,213 (2025) |
| Deeds & Mortgages | Mar 2022 Sale Apr 2018 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 12370-070-000 |
| Primary APN | 12370-070-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 972 sqft Heated Area |
| Gross Area | 1,066 sqft |
| 1st Floor Area | 1,458 sqft |
| 2nd Floor Area | 1,458 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 11,456 sqft (0.262 acres) |
| Lot Dimensions | 135 ft deep x 85 ft wide |
| Driveway | Driveway |
| Driveway Area | 972 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Fence | Fence |
| Total Buildings | 3 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3118 E BALDWIN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6981 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | HIGHLAND CITY (8.39) 117B BEG 362' E OF NW COR LOT 8 BLK 20 TH E 85' S 135' W 85' |
| 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 |
Source: Bay County records · APN 12370-070-000
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 Record | Company Name on File |
|---|---|
| Mailing Address | 97 W OAK AVE, PANAMA CITY, FL 32401-2735 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 03, 2022 | Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TTL LLC SANTA ROSA |
| Apr 02, 2018 | Warranty Deed, Transfer · VA Mortgage SUPREME LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 06, 2024 |
| Deed Sale | Dec 06, 2024 |
| Prior Sale | Oct 15, 2024 · Amount on Record |
| Deed Document Number | 2024071148 |
| Deed Book / Page | 4865 / 2373 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 03, 2022 |
| Property Address | 3118 E BALDWIN RD, PANAMA CITY, FL 32405-6981 |
| Document Number | 0045311308 |
| Book / Page | 4531 / 1308 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 2022015454 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2022 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TTL LLC SANTA ROSA |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3118 E BALDWIN RD, PANAMA CITY, FL 32405-6981 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 02, 2018 |
| Property Address | 3118 E BALDWIN RD, PANAMA CITY, FL 32405-6981 |
| Document Number | 0039931285 |
| Book / Page | 003993 / 001285 |
| Instrument Date | Mar 21, 2018 |
| Instrument | 18500 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2018 |
| Title Company | OMEGA TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,396.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3122 E BALDWIN RD PANAMA CITY FL 324056981, PANAMA CITY, FL 32405-6981 |
| Document Number | 39931287 |
|---|---|
| Date | Apr 02, 2018 |
| Book Page | 003993/001287 |
| Instrument | 18501 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2048 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
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 | $6,213.00 (+47.19%) | $391,803 (+60.04%) Land $46,584 Building $345,219 | $391,803 (+60.04%) Land $46,584 Building $345,219 |
| 2023 | $4,221.00 (+23.96%) | $244,816 (+14.36%) Land $37,927 Building $206,889 | $244,816 (+14.36%) Land $37,927 Building $206,889 |
| 2022 | $3,405.00 | $214,075 Land $30,341 Building $183,734 | $214,075 Land $30,341 Building $183,734 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 61% of the US · lower than 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 258 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF SPRINGFIELD serves 8,075 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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