Bay County property record for 2851 Longleaf Rd, Panama City, FL 32405 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,341 sqft · built 1992 |
| Lot Size | 0.516 acres (22,477 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $25,000 (Sep 1996) |
| Tax Bill | $5,641 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 26904-228-000 |
| Primary APN | 26904-228-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,341 sqft Heated Area |
| Gross Area | 5,790 sqft |
| 1st Floor Area | 3,049 sqft |
| 2nd Floor Area | 1,292 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 22,477 sqft (0.516 acres) |
| Lot Dimensions | 168 ft deep x 134 ft wide |
| Garage Area | 552 sqft |
| Driveway | Driveway |
| Driveway Area | 2,880 sqft |
| Pool Area | 648 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 742 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2851 LONGLEAF RD |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-2044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KING'S POINT UNIT 6(26.1) 79A LOT 26 -AND- PART OF LOT 27 DESC AS: BEG AT NE COR OF LOT |
| Legal Range | 15W |
| Legal Township | 03S |
| Legal Section | 25 |
| Legal Subdivision | KING'S POINT UNIT 6 |
| Legal Block | C |
| Legal Lot Number | 26,27 |
| Legal Unit | 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 2500 |
Source: Bay County records · APN 26904-228-000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2851 LONGLEAF RD, PANAMA CITY, FL 32405-2044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 09, 2026 | Deed of Trust, Mortgage · Line of Credit TYNDALL FCU |
| Mar 09, 2026 | Deed of Trust, Mortgage · Line of Credit TYNDALL FCU |
| Dec 30, 2020 | Deed of Trust, Mortgage · Line of Credit TYNDALL FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 16, 1996 · Amount on Record |
| Deed Sale | Sep 16, 1996 · Amount on Record |
| Deed Document Number | 0001659158 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2851 LONGLEAF RD, PANAMA CITY, FL 32405-2044 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2851 LONGLEAF RD, PANAMA CITY, FL 32405-2044 |
| Document Number | 0050100964 |
|---|---|
| Date | Mar 09, 2026 |
| Book Page | 5010/964 |
| Instrument | 2026014074 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2851 LONGLEAF RD, PANAMA CITY, FL 32405-2044 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2851 LONGLEAF RD, PANAMA CITY, FL 32405-2044 |
| Document Number | 0050100913 |
|---|---|
| Date | Mar 09, 2026 |
| Book Page | 5010/913 |
| Instrument | 2026014059 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2851 LONGLEAF RD, PANAMA CITY, FL 32405-2044 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2851 LONGLEAF RD, PANAMA CITY, FL 32405-2044 |
| Document Number | 0043440149 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 4344/149 |
| Instrument | 2020087866 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 15, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
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 | $5,641.00 (-7.36%) Homeowner's exemption Widower's exemption | $500,532 (+5.99%) | $771,772 (+15.86%) Land $168,347 Building $603,425 |
| 2023 | $6,089.00 (+23.03%) Homeowner's exemption | $472,258 (+15.42%) | $666,149 (+45.51%) Land $144,098 Building $522,051 |
| 2022 | $4,949.00 Homeowner's exemption | $409,170 | $457,798 Land $130,301 Building $327,497 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050025001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 196 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 220 units insured 24 under condo master policies |
| Nearby Flood Claims | 203 (1984–2022) |
| Claims Outside the SFHA | 65 of 203 |
| Most Recent Claim | Jul 2022, other causes |
| Claims By Storm |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 239 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone | Cable | 1,200 / 50 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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