3128 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 3128 E Baldwin Rd, Panama City, FL 32405 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,170 sqft · built 1984
Lot Size	0.111 acres (4,835 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Oct 2020)
Tax Bill	$1,331 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2026 Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`12370-077-000`

Property Details

APN / Parcel Number

Primary APN	`12370-077-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,170 sqft Living Area
1st Floor Area	486 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2014
Architectural Style	Townhouse
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,835 sqft (0.111 acres)
Lot Dimensions	135 ft deep x 36 ft wide
Driveway	Driveway
Driveway Area	684 sqft
Porch	Florida Room
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3128 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-6981
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND CITY (8.43) 117B BEG 495.50 E OF NW COR LOT 8 TH E 36.50 S 135 W 36.50 N 135 TO POB. BLK 20 AKA LOT 17 BLK B UNIT A ORB 4313 P 1917
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 12370-077-000

Assessment roll updated January 5, 2026 · Last verified July 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	3128 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 08, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Oct 22, 2020	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Oct 16, 2019	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jul 17, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 22, 2020 · Amount on Record
Deed Sale	Oct 22, 2020 · Amount on Record
Prior Sale	Oct 16, 2019 · Amount on Record
Deed Document Number	202070364
Deed Book / Page	4313 / 1917
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Jul 08, 2026
Property Address	3128 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0000041159
Book / Page	5053 / 1995
Instrument Date	Jul 02, 2026
Instrument	202641159
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	1900 FOSTER AVE, PANAMA CITY, FL 32405-2449

Mortgage

Document Number	0000041159,
Date	Jul 08, 2026
Book Page	5053/1995
Instrument	202641159

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	Apr 14, 2026
Property Address	3128 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0000021969
Book / Page	5023 / 1465
Instrument Date	Apr 07, 2026
Instrument	202621969
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3128 E BALDWIN RD, PANAMA CITY, FL 32405-6981

Mortgage

Document Number	0000021969,
Date	Apr 14, 2026
Book Page	5023/1465
Instrument	202621969

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 22, 2020
Property Address	3128 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0043131917
Book / Page	4313 / 1917
Instrument Date	Oct 20, 2020
Instrument	2020070364
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$896.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 71, LYNN HAVEN, FL 32444-0071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1042 W 11TH CT, PANAMA CITY, FL 32401-2078

Mortgage

Document Number	0043131919
Date	Oct 22, 2020
Instrument	4313/1919

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 16, 2019
Property Address	3128 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0041800139
Book / Page	4180 / 0139
Instrument Date	Oct 11, 2019
Instrument	2019090707
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$623.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4464 CLOUSTON RD, 4464, CAMERON, WV 26033-1442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1711A FOSTER AVE, PANAMA CITY, FL 32405-2513

Mortgage

Document Number	0004180142
Date	Oct 16, 2019
Instrument	4180/142

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 17, 2019
Property Address	3128 E BALDWIN RD, PANAMA CITY, FL 32405-6981
Document Number	0041450873
Book / Page	004145 / 000873
Instrument Date	Jul 16, 2019
Instrument	64719
Transaction Type	Transfer
Record Updated	Aug 06, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	CLOUSTON RD CAMERON WV 26033, CAMERON, WV 26033

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified July 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	$1,331.00 (-12.49%) Homeowner's exemption	$126,018 (+5.99%)	$136,471 (+7.05%) Land $19,730 Building $116,741
2024	$1,521.00 (+3.75%)
2023	$1,466.00 (+22.88%) Homeowner's exemption	$118,899 (+12.87%)	$127,480 (+19.6%) Land $16,063 Building $111,417
2022	$1,193.00 Homeowner's exemption	$105,338	$106,592 Land $12,850 Building $93,742

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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