Bay County property record for 2835 Malone Dr, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,352 sqft · built 1972 |
| Lot Size | 0.464 acres (20,211 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $357,500 (Sep 2024) |
| Tax Bill | $4,907 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13781-040-000 |
| Primary APN | 13781-040-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,352 sqft Living Area |
| Gross Area | 2,752 sqft |
| 1st Floor Area | 2,352 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 20,211 sqft (0.464 acres) |
| Lot Dimensions | 150 ft deep x 135 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 288 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2835 MALONE DR |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-3845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD1 |
| Legal Description | HUNTINGDON ESTATES UNIT # 2 LOT 5 BLK 5 M-91A ORB 4845 P 332 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 30 |
| Legal Subdivision | HUNTINGDON ESTATES |
| Legal Block | 5 M-9 |
| Legal Lot Number | 5 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 1502 |
2835 Malone Dr is owned and occupied by two individuals who bought it in September 2024.
Source: Bay County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2835 MALONE DR, PANAMA CITY, FL 32405-3845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 11, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Sep 12, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2024 · Amount on File |
| Deed Sale | Sep 27, 2024 · Amount on File |
| Deed Document Number | 202457319 |
| Deed Book / Page | 4845 / 332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2835 MALONE DR, PANAMA CITY, FL 32405-3845 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 2835 MALONE DR, PANAMA CITY, FL 32405-3845 |
| Document Number | 0049820986 |
|---|---|
| Date | Dec 11, 2025 |
| Book Page | 4982/986 |
| Instrument | 2025072180 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2835 MALONE DR, PANAMA CITY, FL 32405-3845 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1600 N 1575 W G101, G101, LAYTON, UT 84041-1884 |
| Document Number | 0049512392 |
|---|---|
| Date | Sep 12, 2025 |
| Book Page | 4951/2392 |
| Instrument | 2025052559 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Oct 1, 2054 |
The 2025 property tax bill for 2835 Malone Dr was $4,907, up 99.3% 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 | $4,907.00 (+99.31%) | $310,751 (+65.07%) Land $83,835 Building $226,916 | $310,751 (+55.48%) Land $83,835 Building $226,916 |
| 2024 | $2,462.00 (-3.87%) Homeowner's exemption | $188,250 (+3%) | $199,867 (+2.47%) Land $71,685 Building $128,182 |
| 2023 | $2,561.00 (+4.87%) Homeowner's exemption | $182,767 (+3%) | $195,054 (+9.92%) Land $65,880 Building $129,174 |
| 2022 | $2,442.00 Homeowner's exemption | $177,444 Land $60,075 Building $117,369 | $177,444 Land $60,075 Building $117,369 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2835 Malone Dr in Zone X, an area of minimal flood risk, though there have been 77 flood claims nearby since 1988.
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 |
|---|---|
| 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.
Wildfire risk around 2835 Malone Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 177 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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