Bay County property record for 3231 E Baldwin Rd, Panama City, FL 32405 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,736 sqft · built 1997 |
| Lot Size | 0.594 acres (25,875 sqft) |
| Owner | Individual Name on File |
| Last Sale | $13,000 (Jul 1997) |
| Tax Bill | $758 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11971-010-000 |
| Primary APN | 11971-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,736 sqft Heated Area |
| Gross Area | 1,880 sqft |
| 1st Floor Area | 1,736 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 25,875 sqft (0.594 acres) |
| Lot Dimensions | 185 ft deep x 140 ft wide |
| Porch | Porch |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3231 E BALDWIN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND CITY 117B COM AT SW COR LOT 5 TH E ALONG N R/W BALDWIN RD 145' FOR POB |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HIGHLAND CITY |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 1302 |
Source: Bay County records · APN 11971-010-000
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 | 3231 E BALDWIN RD, PANAMA CITY, FL 32405-6924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 30, 1997 · Amount on Record |
| Deed Sale | Jul 30, 1997 · Amount on Record |
| Deed Document Number | 0001725799 |
| Record Updated | Jun 08, 2026 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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 | $758.00 (+60.25%) Homeowner's exemption | $100,887 (+40.2%) | $166,978 (+67.56%) Land $59,360 Building $107,618 |
| 2023 | $473.00 (+8.24%) Homeowner's exemption | $71,957 (+3%) | $99,654 (+12.29%) Land $44,520 Building $55,134 |
| 2022 | $437.00 Homeowner's exemption | $69,861 | $88,745 Land $37,990 Building $50,755 |
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 X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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 45% of the US · above 15% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,639 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
Search by:
By searching, you agree to: Terms • Privacy • Disclosures