Bay County property record for 3126 E Baldwin Rd, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 972 sqft · built 1984 |
| Lot Size | 0.055 acres (2,395 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $141,600 (Jul 2024) |
| Tax Bill | $1,884 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 12370-076-000 |
| Primary APN | 12370-076-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 972 sqft Living Area |
| 1st Floor Area | 486 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Townhouse |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 2,395 sqft (0.055 acres) |
| Lot Dimensions | 135 ft deep x 18 ft wide |
| Driveway | Driveway |
| Driveway Area | 684 sqft |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3126 E BALDWIN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6981 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND CITY (8.42) BEG 477.50 E OF NW COR LOT 8 TH E 18 S 135 W 18 N 135 TO POB AKA LOT 17 BLK B UNIT B BLK 20 ORB 4823 P 1813 |
| 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, as of January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 2005 W 23RD CT, PANAMA CITY, FL 32405-2214 |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Oct 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Jun 11, 2020 | Warranty Deed, Transfer RESIDENTIAL CAP PTRS SECURED L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2024 · Amount on Record |
| Deed Sale | Jul 23, 2024 · Amount on Record |
| Prior Sale | Oct 16, 2020 · Amount on Record |
| Deed Document Number | 202443220 |
| Deed Book / Page | 4823 / 1813 |
| Prior Transfer Date | Jun 30, 2016 |
| Prior Transfer Doc | 0038101436 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 16, 2020 |
| Property Address | 3126 E BALDWIN RD, PANAMA CITY, FL 32405-6981 |
| Document Number | 0043110366 |
| Book / Page | 4311 / 366 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 2020068698 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $749.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3406 JASMINE TRACE LN, 3406, LYNN HAVEN, FL 32444-5647 |
| Name | Verified Name |
|---|---|
| Address | 3126 E BALDWIN RD, PANAMA CITY, FL 32405-6981 |
| Document Number | 0004311368 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 4311/368 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 11, 2020 |
| Property Address | 3126 E BALDWIN RD, PANAMA CITY, FL 32405-6981 |
| Document Number | 0042610780 |
| Book / Page | 004261 / 000780 |
| Instrument Date | Jun 9, 2020 |
| Instrument | 37823 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3406 JASMINE TRACE LN LYNN HAVEN FL 324445647, LYNN HAVEN, FL 32444-5647 |
| Document Number | 42610782 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 004261/000782 |
| Instrument | 37824 |
| Name | RESIDENTIAL CAP PTRS SECURED L |
|---|---|
| Address | 3838 OAK LAWN AVE # 1500, DALLAS, TX 75219-4516 |
| Amount | Amount Recorded |
|---|
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Springfield City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,884.00 (+64.54%) | $118,834 (+22.87%) Land $9,865 Building $108,969 | $118,834 (+15.27%) Land $9,865 Building $108,969 |
| 2024 | $1,145.00 (+3.53%) | ||
| 2023 | $1,106.00 (+8.86%) Homeowner's exemption | $96,719 (+3%) | $103,093 (+9.05%) Land $8,031 Building $95,062 |
| 2022 | $1,016.00 Homeowner's exemption | $93,902 | $94,534 Land $6,425 Building $88,109 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025
| 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 Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures