Bay County property record for 2811 Malone Dr, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,481 sqft · built 1971 |
| Lot Size | 0.462 acres (20,124 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Nov 2024) |
| Tax Bill | $6,302 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13780-010-000 |
| Primary APN | 13780-010-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,481 sqft Living Area |
| Gross Area | 3,119 sqft |
| 1st Floor Area | 2,481 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 20,124 sqft (0.462 acres) |
| Lot Dimensions | 140 ft deep x 144 ft wide |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Patio Area | 550 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2811 MALONE DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD1 |
| Legal Description | HUNTINGDON ESTATES UNIT 2 LOT 1 BLK 4 ORB 4538 P 956 M-91A |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 30 |
| Legal Subdivision | HUNTINGDON ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 1502 |
2811 Malone Dr is owned and occupied by two individuals who bought it in November 2024.
Source: Bay County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2811 MALONE DR, PANAMA CITY, FL 32405-3846 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage MEGA CAPITAL FUNDING INC |
| Dec 9, 2020 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2024 · Amount on File |
| Deed Sale | Nov 14, 2024 · Amount on File |
| Prior Sale | Mar 17, 2022 · Amount on File |
| Deed Document Number | 202466673 |
| Deed Book / Page | 4859 / 807 |
| Prior Transfer Date | Sep 9, 2024 |
| Prior Transfer Doc | 0048450650 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Mar 17, 2022 |
| Property Address | 2811 MALONE DR, PANAMA CITY, FL 32405-3846 |
| Document Number | 0045380956 |
| Book / Page | 4538 / 956 |
| Map Reference | MB 10 PG 72 |
| Instrument Date | Mar 16, 2022 |
| Instrument | 2022020057 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2022 |
| Title Company | NOT AVAILABLE, DEFENDER T&E AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 316 SIDEWINDER LOOP, 316, CRESTVIEW, FL 32536-2241 |
| Name | Verified Name |
|---|---|
| Address | 500 W 13TH ST, LYNN HAVEN, FL 32444-2530 |
| Document Number | 0004538958 |
|---|---|
| Date | Mar 17, 2022 |
| Instrument | 4538/958 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2811 MALONE DR, PANAMA CITY, FL 32405-3846 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 2811 MALONE DR, PANAMA CITY, FL 32405-3846 |
| Document Number | 0043350745 |
|---|---|
| Date | Dec 9, 2020 |
| Book Page | 4335/745 |
| Instrument | 2020083295 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 2811 Malone Dr was $6,302, up 75.7% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,302.00 (+75.74%) | $399,070 Land $87,636 Building $311,434 | $399,070 Land $87,636 Building $311,434 |
| 2024 | $3,586.00 (-5.53%) | ||
| 2023 | $3,796.00 (-3.39%) Homeowner's exemption | $251,939 (-3.8%) | $256,206 (-2.17%) Land $68,866 Building $187,340 |
| 2022 | $3,929.00 | $261,898 Land $62,798 Building $199,100 | $261,898 Land $62,798 Building $199,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2811 Malone Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 119 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 119 in force |
| Nearby Flood Claims | 77 (1988–2022) |
| Claims Outside the SFHA | 29 of 77 |
| Most Recent Claim | Sep 2022 · 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.
The area around 2811 Malone Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 275 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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