3401 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 3401 E Baldwin Rd, Panama City, FL 32405 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,694 sqft · built 1960
Lot Size	0.795 acres (34,630 sqft)
Owner	Individual Name on File
Last Sale	$100 (Apr 2026)
Tax Bill	$2,452 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`11964-000-000`

Property Details

APN / Parcel Number

Primary APN	`11964-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,694 sqft Living Area
1st Floor Area	1,694 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2000
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	34,630 sqft (0.795 acres)
Lot Dimensions	315 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	384 sqft
Driveway	Driveway
Porch	Unfinished Open Porch
Porch Area	224 sqft
Patio Area	414 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3401 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-6928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND CITY (2.53) W 110 OF S 315 LOT 2 BLK 1 ORB 3992 P 1477 MAP 117B
Legal Range	14W
Legal Township	03S
Legal Section	27
Legal Subdivision	HIGHLAND CITY
Legal Block	1
Legal Lot Number	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1019
Census Tract	1302

Owner

Source: Bay County records · APN 11964-000-000

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	Individual Name on File
Mailing Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jan 28, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
May 14, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 01, 2026	Quit Claim Deed, Transfer · FHA Mortgage AMWEST FUNDING CORPORATION
Mar 27, 2018	Warranty Deed, Transfer FIRST FSB/FL

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 01, 2026 · Amount on Record
Deed Sale	Apr 01, 2026 · Amount on Record
Prior Sale	Mar 27, 2018 · Amount on Record
Deed Document Number	202619449
Deed Book / Page	5019 / 771
Prior Transfer Date	Mar 26, 2026
Prior Transfer Doc	0000019449
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928

Mortgage

Document Number	0047211464
Date	Aug 18, 2023
Book Page	4721/1464
Instrument	2023052329

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928

Mortgage

Document Number	0045162019
Date	Jan 28, 2022
Book Page	4516/2019
Instrument	2022006581

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928

Mortgage

Document Number	0049121622
Date	May 14, 2025
Book Page	4912/1622
Instrument	2025026826

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2055

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Apr 01, 2026
Property Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928
Document Number	0000019449
Book / Page	5019 / 771
Instrument Date	Mar 26, 2026
Instrument	202619449
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	SUMMIT SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928

Mortgage

Document Number	0000019450,
Date	Apr 01, 2026
Instrument	202619450

Lender

Name	AMWEST FUNDING CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate	6.01%
Max Rate	-1%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 27, 2018
Property Address	3401 E BALDWIN RD, PANAMA CITY, FL 32405-6928
Document Number	0039921477
Book / Page	003992 / 001477
Instrument Date	Mar 23, 2018
Instrument	17793
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	FLORIDA COASTAL CLOSING AND ESCR

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,106.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 E BALDWIN RD PANAMA CITY FL 324056928, PANAMA CITY, FL 32405-6928

Mortgage

Document Number	39921479
Date	Mar 27, 2018
Book Page	003992/001479
Instrument	17794

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2048

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
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	$2,452.00 (+6.33%)	$198,218 (+18.51%) Land $50,600 Building $147,618	$198,218 (+18.51%) Land $50,600 Building $147,618
2024	$2,306.00 (+8.57%)
2023	$2,124.00 (+22.28%)	$167,263 (+13.79%) Land $37,950 Building $129,313	$167,263 (+13.79%) Land $37,950 Building $129,313
2022	$1,737.00	$146,990 Land $32,384 Building $114,606	$146,990 Land $32,384 Building $114,606

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 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 893 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 24 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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