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

Bay County property record for 633 E Baldwin Rd, Panama City, FL 32405 · Last verified February 2026

Property Summary

Property Type	Medical Building
Details	9,174 sqft · built 2015
Lot Size	1.94 acres (84,855 sqft)
Owner	Owner Name on File
Last Sale	$725,000 (Oct 2013)
Tax Bill	$19,999 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2021 Second Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`12859-005-000`

Property Details

APN / Parcel Number

Primary APN	`12859-005-000`

Interior

Total Rooms	23 Rooms
Building Area	9,174 sqft Total Area
1st Floor Area	8,334 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Rigid Frame Bar Joist
Roof Material	Metal
Lot Area	84,855 sqft (1.94 acres)

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Forced Air

Location & Zoning

Street Address	633 E BALDWIN RD
City	PANAMA CITY
State	FL
Zip	32405-4207
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Legal Description	28 3S 14W -3A- ST AND BAY DEV CO PLAT W 298' OF LOTS 5 & 12 LESS N
Legal Range	14W
Legal Township	03S
Legal Section	28
Legal Subdivision	ST AND BAY DEV CO
Legal Lot Number	5,12 12
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1081
Census Tract	1501

Owner

Source: Bay County records · APN 12859-005-000

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	Owner Name on File
Mailing Address	109 ALABAMA AVE, LYNN HAVEN, FL 32444-1325

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Apr 01, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REGIONS BANK
Nov 20, 2020	Deed of Trust, Mortgage REGIONS BK
Nov 19, 2018	Deed of Trust, Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 16, 2013 · Amount on Record
Deed Sale	Oct 16, 2013 · Amount on Record
Prior Sale	Apr 20, 2005
Deed Document Number	2013062015
Deed Book / Page	3556 / 1036
Record Updated	Jun 08, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	633 E BALDWIN RD, PANAMA CITY, FL 32405-4207
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040021766
Date	Apr 27, 2018
Book Page	4002/1766
Instrument	2018025000

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Apr 28, 2025

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	633 E BALDWIN RD, PANAMA CITY, FL 32405-4207
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 ALABAMA AVE, LYNN HAVEN, FL 32444-1325

Mortgage

Document Number	0043842173
Date	Apr 01, 2021
Book Page	4384/2173
Instrument	2021023962

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	115 Months
Due	Nov 20, 2030

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	633 E BALDWIN RD, PANAMA CITY, FL 32405-4207
Document Number	0043400714
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	109 ALABAMA AVE LYNN HAVEN FL 324441325, LYNN HAVEN, FL 32444-1325

Mortgage

Document Number	0043400714
Date	Dec 21, 2020
Book Page	004340/000714
Instrument	86139

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	633 E BALDWIN RD, PANAMA CITY, FL 32405-4207
Document Number	0040672077
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 08, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	109 ALABAMA AVE LYNN HAVEN FL 324441325, LYNN HAVEN, FL 32444-1325

Mortgage

Document Number	0040672077
Date	Dec 10, 2018
Book Page	004067/002077
Instrument	73406

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 09, 2048

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
Municipality	Lynn Haven City
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	$19,999.00 (-7.31%)	$1,329,408 (-0.84%) Land $407,510 Building $921,898	$1,329,408 (-0.84%) Land $407,510 Building $921,898
2023	$21,577.00 (+5.65%)	$1,340,721 (-0.72%) Land $407,510 Building $933,211	$1,340,721 (-0.72%) Land $407,510 Building $933,211
2022	$20,423.00	$1,350,444 Land $407,510 Building $942,934	$1,350,444 Land $407,510 Building $942,934

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 120050015011, 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 AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	35.3 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 300 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	300 in force
Nearby Flood Claims	154 (1984–2022)
Claims Outside the SFHA	16 of 154
Most Recent Claim	May 2022, other causes
Claims By Storm	Hurricane Michael, Oct 2018 · 49 claims Hurricane Dennis, Jul 2005 · 13 claims Hurricane Opal, Oct 1995 · 63 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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 139 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
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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