5645 Banner Rd, Malone, FL 32445 Property Records

Jackson County property record for 5645 Banner Rd, Malone, FL 32445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Aug 2021)
Tax Bill	$1,161 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-7N-10-0000-0110-0040`

Property Details

APN / Parcel Number

Primary APN	`25-7N-10-0000-0110-0040`
Alternative APN	`10 N 725000001100040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	1,824 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Cistern

Location & Zoning

Street Address	5645 BANNER RD
City	MALONE
State	FL
Zip	32445-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 499 P 747 COMM AT SWC OF NE1/4 OF SE1/4, RUN S TO N SIDE ROAD, E ALONG ROAD 228 FT N 575 FT TO BEGIN, RUN N 191 FT, W 228 FT, S 191 FT, E 228 FT TO POB. ALSO EASEMENT FOR INGRESS/EGRESS....OR 1442 P 29 OR 1598 P 418 OR 1709 P 37
Legal Block	40
Legal Lot Number	110
Jurisdiction	JACKSON FL
Township / Civil Division	MALONE
Census Block Group	3
Census Block	3003
Census Tract	210100

Owner

Source: Jackson County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5645 BANNER RD, MALONE, FL 32445-3101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
May 3, 2019	Loan Modification, Mortgage FIRST FED'L SVGS BK
Feb 11, 2019	Deed, Construction Loan · Construction Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Prior Sale	Feb 11, 2019 · Amount on Record
Deed Document Number	20219549
Deed Book / Page	1709 / 37
Prior Transfer Date	Oct 16, 2014
Prior Transfer Doc	0014420029
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Aug 3, 2021
Property Address	5645 BANNER RD, MALONE, FL 32445-3101
Document Number	0017090037
Book / Page	1709 / 37
Instrument Date	Jul 28, 2021
Instrument	202132009549
Transaction Type	Transfer
Record Updated	May 9, 2022
Title Company	SUNSET CAPITAL TITLE SERVICES, SUNSET CAPITAL TTL SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 W HILLS DR, 319, CHATTANOOGA, TN 37419-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5645 BANNER RD, MALONE, FL 32445-3101

Mortgage

Document Number	0000170940
Date	Aug 3, 2021
Instrument	1709/40

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON FL
Property Address	5645 BANNER RD, MALONE, FL 32445-3101
Document Number	0016080883
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	Jun 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5645 BANNER RD MALONE FL 324453101, MALONE, FL 32445-3101

Mortgage

Document Number	0016080883
Date	May 3, 2019
Book Page	001608/000883
Instrument	32005787

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 2, 2049

Interest

Rate Type	Fixed Rate
Rate	5.5%

February 2019: Deed, Construction Loan

Document Type	Deed
Jurisdiction	JACKSON FL
Recording Date	Feb 11, 2019
Property Address	5645 BANNER RD, MALONE, FL 32445-3101
Document Number	0015980418
Book / Page	1598 / 0418
Instrument Date	Feb 8, 2019
Instrument	201932001871
Transaction Type	Construction Loan
Record Updated	May 9, 2022
Title Company	MARIANNA TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$56.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 W GARDEN ST STE 603, 220, PENSACOLA, FL 32502-5732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5645 BANNER RD, MALONE, FL 32445-3101
Investor	Possibly a Property Investor

Mortgage

Document Number	201932001872
Date	Feb 11, 2019
Instrument	201932001872

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,161.00 (+3.48%) Homeowner's exemption	$127,470 (+2.9%)	$158,753 (-1.98%) Land $8,500 Building $150,253
2024	$1,122.00 (+6.65%) Homeowner's exemption	$123,878 (+3%)	$161,962 (+9.11%) Land $8,500 Building $153,462
2023	$1,052.00 (+10.85%) Homeowner's exemption	$120,270 (+3%)	$148,440 (+27.12%) Land $8,500 Building $139,940
2022	$949.00 Homeowner's exemption	$116,767 Land $8,000 Building $108,767	$116,767 Land $8,000 Building $108,767

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 15, 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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

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