Bay County property record for 3207 E Baldwin Rd, Panama City, FL 32405 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,680 sqft · built 1991 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,042 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 11972-000-000 |
| Primary APN | 11972-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Carport |
| Garage Area | 528 sqft |
| Carport | Carport |
| Carport Area | 528 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 960 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3207 E BALDWIN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND CITY LOT 6 BLK 1 CT. COURT CASE 75-296 MAP 117B ORB 2886 P 40 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HIGHLAND CITY |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 1302 |
Source: Bay County records · APN 11972-000-000
Assessment roll updated January 5, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3207 E BALDWIN RD, PANAMA CITY, FL 32405-6924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jun 26, 2025 |
| Transfer Doc | 0049301779 |
| Record Updated | Jun 08, 2026 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| 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 | $1,042.00 (+0.19%) Homeowner's exemption Disabled Person's exemption | $128,862 (+5.99%) | $266,620 (+18.8%) Land $162,850 Building $103,770 |
| 2024 | $1,040.00 (+2.97%) | ||
| 2023 | $1,010.00 (+11.48%) Homeowner's exemption Disabled Person's exemption | $121,583 (+6.99%) | $224,435 (+20.43%) Land $125,880 Building $98,555 |
| 2022 | $906.00 Homeowner's exemption Disabled Person's exemption | $113,641 | $186,359 Land $101,300 Building $85,059 |
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
| 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 |
|
| 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.
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.
5G and 4G LTE
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