3419 E Baldwin Rd, Panama City, FL 32405 Property Records

Bay County property record for 3419 E Baldwin Rd, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 1961
Lot Size	0.794 acres (34,630 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Dec 2022)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`11965-000-000`

Property Details

APN / Parcel Number

Primary APN	`11965-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,677 sqft Heated Area
Gross Area	2,205 sqft
1st Floor Area	1,677 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2011
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	34,630 sqft (0.794 acres)
Lot Dimensions	315 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	840 sqft
Porch	Porch
Porch Area	198 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3419 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-6928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND CITY (2.54) 117B E 110' OF S 315' OF LOT 2 BLK 1
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 11965-000-000

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	3419 E BALDWIN RD, PANAMA CITY, FL 32405-6928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Document Number	2022090280
Deed Book / Page	4642 / 1791
Record Updated	Jun 08, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 21, 2022
Property Address	3419 E BALDWIN RD, PANAMA CITY, FL 32405-6928
Document Number	0046421791
Book / Page	4642 / 1791
Instrument Date	Dec 19, 2022
Instrument	2022090280
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2588 LAKE CAPRI DR, CONYERS, GA 30012-2933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3419 E BALDWIN RD, PANAMA CITY, FL 32405-6928

Mortgage

Document Number	0046421793
Date	Dec 21, 2022
Instrument	4642/1793

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender

Agreement

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

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,031.00 (+3.73%) Homeowner's exemption	$203,786 (+5.99%)	$226,954 (+18.04%) Land $50,600 Building $176,354
2023	$1,958.00 (+74.04%) Homeowner's exemption	$192,275 (+104.58%) Land $37,950 Building $154,325	$192,275 (+104.58%) Land $37,950 Building $154,325
2022	$1,125.00	$93,984 Land $32,384 Building $61,600	$93,984 Land $32,384 Building $61,600

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 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	Tropical Storm Fred, Aug 2021 · 5 claims Hurricane Michael, Oct 2018 · 23 claims Severe Storms And Flooding, Jul 2013 · 4 claims

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 · sampled at 263 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CITY OF SPRINGFIELD serves 8,075 people
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.