7834 Olde Mill Rd, Panama City, FL 32409 Property Records

Bay County property record for 7834 Olde Mill Rd, Panama City, FL 32409

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,643 sqft · built 2001
Lot Size	5.54 acres (241,322 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Oct 2021)
Tax Bill	$6,376 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07858-020-060`

Property Details

APN / Parcel Number

Primary APN	`07858-020-060`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,643 sqft Living Area
Gross Area	3,195 sqft
1st Floor Area	2,643 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	241,322 sqft (5.54 acres)
Garage Type	Attached
Garage Area	552 sqft
Pool Area	300 sqft
Porch	Open Porch
Porch Area	779 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7834 OLDE MILL RD
City	PANAMA CITY
State	FL
Zip	32409-4824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	26 2S 14W -1.B6- 114B BEG AT NE COR OF W1/2 OF NE1/4 OF NW1/4 OF SEC S 1298.32 W 950.40 N 1084.39 FOR POB TH CONT N 215.02 E 608.50 S 215 W 611.46 TO POB SUBJ TO ESMT . *AND* 26 2S 14W -1.B5- 114B BEG AT NE COR OF W1/2 OF NE1/4 OF NW1/4 OF SEC S
Legal Range	14W
Legal Township	02S
Legal Section	26
Jurisdiction	BAY FL
Township / Civil Division	SOUTHPORT
Census Block Group	1
Census Block	1005
Census Tract	204

Owner

Source: Bay County records, as of January 5, 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 Record
Mailing Address	7834 OLDE MILL RD, PANAMA CITY, FL 32409-4824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit MIDSOUTH BANK
Oct 27, 2021	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Apr 20, 2018	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on Record
Deed Sale	Oct 27, 2021 · Amount on Record
Prior Sale	Dec 6, 2013 · Amount on Record
Deed Document Number	202182434
Deed Book / Page	4478 / 2337
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	7834 OLDE MILL RD, SOUTHPORT, FL 32409-4824
Transaction Type	Mortgage
Record Updated	Jan 12, 2024
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047610930
Date	Dec 28, 2023
Book Page	4761/930
Instrument	2023080091

Lender

Name	MIDSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 27, 2021
Property Address	7834 OLDE MILL RD, SOUTHPORT, FL 32409-4824
Document Number	0044782337
Book / Page	4478 / 2337
Instrument Date	Oct 22, 2021
Instrument	2021082434
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	NEW FRONTIER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11980 NW POND VIEW DR, 11980, ALTHA, FL 32421-4145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7834 OLDE MILL RD, PANAMA CITY, FL 32409-4824

Mortgage

Document Number	44782339
Date	Oct 27, 2021
Instrument	4478/2339

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	7834 OLDE MILL RD, SOUTHPORT, FL 32409-4824
Document Number	0040031642
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	May 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7834 OLDE MILL RD PANAMA CITY FL 324094824, PANAMA CITY, FL 32409-4824

Mortgage

Document Number	0040031642
Date	Apr 30, 2018
Book Page	004003/001642
Instrument	25567

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 29, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,376.00 (+2.61%) Homeowner's exemption	$554,913 (+4.95%)	$685,669 (+5.6%) Land $200,814 Building $484,855
2024	$6,214.00 (+0.68%)
2023	$6,172.00 (+11.67%) Homeowner's exemption	$528,741 (+3%)	$649,321 (+12.25%) Land $168,770 Building $480,551
2022	$5,527.00 Homeowner's exemption	$513,341	$578,462 Land $130,522 Building $447,940

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 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 Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	3 (2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 3 claims

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	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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