3124 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 3124 E Baldwin Rd, Panama City, FL 32405 · Last verified February 2026

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,020 sqft · built 1984
Lot Size	0.092 acres (4,008 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2022)
Tax Bill	$733 (2025)
Deeds & Mortgages	Sep 2022 Sale Apr 2020 Line of Credit + 3 more
Flood Zone	Zone A (high risk)
APN	`12370-075-000`

Property Details

APN / Parcel Number

Primary APN	`12370-075-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,020 sqft Heated Area
Gross Area	1,084 sqft
1st Floor Area	534 sqft
2nd Floor Area	486 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,008 sqft (0.092 acres)
Lot Dimensions	135 ft deep x 30 ft wide
Driveway	Driveway
Driveway Area	440 sqft

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3124 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-6981
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	HIGHLAND CITY (8.41) 117B BEG 447' E OF NW COR LOT 8 TH E 30.50' S 135' W 30.50'
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 12370-075-000

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	Individual Name on File
Mailing Address	3124 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 01, 2022	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Apr 15, 2020	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU
Feb 26, 2020	Deed of Trust, Mortgage WALTON FNDG LLC
Aug 09, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Oct 30, 2017	Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 01, 2022 · Amount on Record
Deed Sale	Sep 01, 2022 · Amount on Record
Prior Sale	Aug 09, 2019 · Amount on Record
Deed Document Number	2022065372
Deed Book / Page	4606 / 128
Record Updated	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 01, 2022
Property Address	3124 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0046060128
Book / Page	4606 / 128
Instrument Date	Aug 26, 2022
Instrument	2022065372
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 E BALDWIN RD, PANAMA CITY, FL 32405-6981

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3124 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042422025
Date	Apr 15, 2020
Book Page	4242/2025
Instrument	2020026086

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 10, 2035

Interest

Rate Type	Adjustable Rate
Rate	4%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3124 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0042271388
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3406 JASMINE TRACE LN LYNN HAVEN FL 324445647, LYNN HAVEN, FL 32444-5647

Mortgage

Document Number	0042271388
Date	Mar 02, 2020
Book Page	004227/001388
Instrument	15709

Lender

Name	WALTON FNDG LLC
Type	Mortgage Company
Address	INLET BEACH, FL 32461

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	8.37%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 09, 2019
Property Address	3124 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0041541321
Book / Page	004154 / 001321
Instrument Date	Aug 09, 2019
Instrument	71659
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$218.91
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2310 S HIGHWAY 77 #110 LYNN HAVEN FL 324444637, 110, LYNN HAVEN, FL 32444-4637

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 30, 2017
Property Address	3124 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0039500244
Book / Page	3950 / 0244
Instrument Date	Oct 17, 2017
Instrument	2017062584
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST INTERNATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4082 LEISURE LAKES DR, CHIPLEY, FL 32428-5662

Mortgage

Document Number	2017062585
Date	Oct 30, 2017
Instrument	2017062585

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

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	$733.00 (-29.65%) Homeowner's exemption Additional exemption filed	$121,502 (+2.9%)	$124,901 (+5.78%) Land $16,442 Building $108,459
2024	$1,042.00 (+2.46%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$118,078 (+0.25%) Land $15,248 Building $102,830	$118,078 (+0.25%) Land $15,248 Building $102,830
2023	$1,017.00 (-17.92%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$117,780 (+63.94%) Land $13,386 Building $104,394	$117,780 (+63.94%) Land $13,386 Building $104,394
2022	$1,239.00	$71,845 Land $10,708 Building $61,137	$71,845 Land $10,708 Building $61,137

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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