Bay County property record for 3314 E Baldwin Rd, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 1954 |
| Lot Size | 1.34 acres (58,458 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $183,000 (Mar 2022) |
| Tax Bill | $1,580 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Mar 2022 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 12359-000-000 |
| Primary APN | 12359-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 924 sqft Heated Area |
| Gross Area | 1,220 sqft |
| 1st Floor Area | 924 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 58,458 sqft (1.34 acres) |
| Lot Dimensions | 390 ft deep x 150 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 206 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3314 E BALDWIN RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-6927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC16 |
| Legal Description | HIGHLAND CITY (4.17) 117B BEG NE COR LOT 4 TH S 314.97' W 360' N 105' E 210' N 209.45' |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | HIGHLAND CITY |
| Legal Block | 19 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 1302 |
Source: Bay County records, as of January 23, 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 Record |
|---|---|
| Mailing Address | 3314 E BALDWIN RD, PANAMA CITY, FL 32405-6927 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 4, 2022 | Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2022 · Amount on Record |
| Deed Sale | Mar 14, 2022 · Amount on Record |
| Prior Sale | Mar 4, 2022 · Amount on Record |
| Deed Document Number | 2022018846 |
| Deed Book / Page | 4536 / 1218 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 14, 2022 |
| Property Address | 3314 E BALDWIN RD, PANAMA CITY, FL 32405-6927 |
| Document Number | 0045361218 |
| Book / Page | 4536 / 1218 |
| Instrument Date | Mar 14, 2022 |
| Instrument | 2022018846 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,281.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1735 BUFORD HWY # 21530, 1735, CUMMING, GA 30041-1266 |
| Name | Verified Name |
|---|---|
| Address | 3314 E BALDWIN RD, PANAMA CITY, FL 32405-6927 |
| Document Number | 0045361220 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 4536/1220 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 4, 2022 |
| Property Address | 3314 E BALDWIN RD, PANAMA CITY, FL 32405-6927 |
| Document Number | 0045321012 |
| Book / Page | 4532 / 1012 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 2022016061 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,085.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5232 GRAYWOOD AVE, 5232, SPRING HILL, FL 34609-1435 |
| Name | Verified Name |
|---|---|
| Address | 1735 BUFORD HWY # 215-30, 215, CUMMING, GA 30041-1246 |
| Investor | Possibly a Property Investor |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,580.00 (-22.4%) Homeowner's exemption | $167,345 (+4.98%) | $174,136 (+9.24%) Land $43,709 Building $130,427 |
| 2023 | $2,036.00 (+486.74%) | $159,406 (+198.38%) Land $33,786 Building $125,620 | $159,406 (+140.72%) Land $33,786 Building $125,620 |
| 2022 | $347.00 Homeowner's exemption | $53,424 | $66,221 Land $27,188 Building $39,033 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 |
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