3907 Cedar Bluff Rd, Panama City, FL 32409 Property Records

Bay County property record for 3907 Cedar Bluff Rd, Panama City, FL 32409

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,971 sqft · built 2002
Lot Size	0.493 acres (21,475 sqft)
Owner	Individual Name on File
Last Sale	$101,000 (Feb 2004)
Tax Bill	$286 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone A (high risk)
APN	`07585-274-000`

Property Details

APN / Parcel Number

Primary APN	`07585-274-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,971 sqft Living Area
1st Floor Area	1,971 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,475 sqft (0.493 acres)
Lot Dimensions	215 ft deep x 100 ft wide

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	80 sqft
Deck Area	208 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3907 CEDAR BLUFF RD
City	PANAMA CITY
State	FL
Zip	32409-4404
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	BC08
Legal Description	CEDAR BLUFF UNIT 2 112A LOT 178 ORB 3934 P 410
Legal Range	14W
Legal Township	02S
Legal Section	01
Legal Subdivision	CEDAR BLUFF
Legal Lot Number	178
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	SOUTHPORT
Census Block Group	1
Census Block	1011
Census Tract	201

Owner

3907 Cedar Bluff Rd, a mobile home, is owned and occupied by an individual who acquired it in August 2017.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	3907 CEDAR BLUFF RD, SOUTHPORT, FL 32409-4404
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2004 · Amount on File
Deed Sale	Feb 23, 2004 · Amount on File
Prior Sale	Sep 10, 2003 · Amount on File
Deed Document Number	200412537
Deed Book / Page	2400 / 2055
Last Transfer Date	Aug 16, 2017
Transfer Doc	0039340410
Record Updated	Jun 8, 2026

September 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 6, 2017
Property Address	3907 CEDAR BLUFF RD, SOUTHPORT, FL 32409-4404
Document Number	0039340412
Book / Page	003934 / 000412
Instrument Date	Aug 16, 2017
Instrument	50639
Transaction Type	Mortgage
Record Updated	Oct 2, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3907 CEDAR BLUFF RD PANAMA CITY FL 324094404, PANAMA CITY, FL 32409-4404

Mortgage

Document Number	39340413
Date	Sep 6, 2017
Book Page	003934/000413
Instrument	50640

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3907 Cedar Bluff Rd was $286 with a homeowner's exemption, down 7.4% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$286.00 (-7.44%) Homeowner's exemption	$48,142	$57,360 Land $26,784 Building $30,576
2024	$309.00 (+4.75%)
2023	$295.00 (+23.95%) Homeowner's exemption	$45,422 (+7.75%)	$53,095 (+22.82%) Land $24,192 Building $28,903
2022	$238.00 Homeowner's exemption	$42,156	$43,231 Land $19,116 Building $24,115

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3907 Cedar Bluff Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	20 (1983–2020)
Claims Outside the SFHA	10 of 20
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Georges, Oct 1998 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 2 claims

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.

Wildfire

Wildfire risk around 3907 Cedar Bluff Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20