1009 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1009 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,060 sqft · built 2023
Lot Size	0.16 acres (7,013 sqft)
Owner	Individual Name on Record
Last Sale	$635,000 (Oct 2025)
Tax Bill	$8,728 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`11731-350-500`

Property Details

APN / Parcel Number

Primary APN	`11731-350-500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,060 sqft Heated Area
Gross Area	3,286 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,013 sqft (0.16 acres)
Lot Dimensions	128 ft deep x 55 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1009 DISCOVERY LOOP N
City	PANAMA CITY
State	FL
Zip	32405-2956
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 2C LOT 437 ORB 4788 P 768
Legal Subdivision	SWEETBAY
Legal Phase	2C
Legal Lot Number	437
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

Source: Bay County records, as of January 23, 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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1009 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Apr 2, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 16, 2023	Special Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Jun 21, 2022	Special Warranty Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Prior Sale	Apr 2, 2024 · Amount on Record
Deed Document Number	2025062611
Deed Book / Page	4967 / 1047
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 28, 2025
Property Address	1009 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number	0049671047
Book / Page	4967 / 1047
Map Reference	MB 28 PG 80
Instrument Date	Oct 28, 2025
Instrument	2025062611
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SOUTH OAK TITLE GARDENDALE LLC, SOUTH OAK TTL PANHANDLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3900 S LONE PINE AVE # AVED110, AVED110, SPRINGFIELD, MO 65804-6799

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1009 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956

Mortgage

Document Number	0049671049
Date	Oct 28, 2025
Instrument	4967/1049

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 2, 2024
Property Address	1009 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number	0047880768
Book / Page	4788 / 768
Map Reference	MB 28 PG 80-83
Instrument Date	Mar 28, 2024
Instrument	2024018656
Transaction Type	Transfer
Record Updated	Apr 29, 2024
Title Company	NOT AVAILABLE, 850 TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,704.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1663 RUSHES AVE, PANAMA CITY, FL 32405-2957

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956

Mortgage

Document Number	0004788771
Date	Apr 2, 2024
Instrument	4788/771

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 16, 2023
Property Address	1009 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number	0046671731
Book / Page	4667 / 1731
Map Reference	MB 28 PG 80
Instrument Date	Mar 15, 2023
Instrument	2023015755
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	WATERSOUND CLOSINGS & ESCROW LLC, WATERSOUND CLOSINGS & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,324.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 S ARNOLD RD, PANAMA CITY, FL 32413-2110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975

Mortgage

Document Number	0046671733
Date	Mar 16, 2023
Instrument	4667/1733

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 21, 2022
Property Address	1009 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number	0045781705
Book / Page	4578 / 1705
Map Reference	MB 28 PG 80
Instrument Date	Jun 13, 2022
Instrument	2022046245
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$7,560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 WRIGHT PL STE 220, 220, CARLSBAD, CA 92008-6584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 S ARNOLD RD, PANAMA CITY BEACH, FL 32413-2110
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,728.00 (+3.88%)	$552,661 (+7.55%) Land $66,300 Building $486,361	$552,661 (+7.55%) Land $66,300 Building $486,361
2024	$8,402.00 (+667.31%)	$513,842 (+813.25%) Land $60,400 Building $453,442	$513,842 (+813.25%) Land $60,400 Building $453,442
2023	$1,095.00 (+157.04%)	$56,265 (+283.22%) Land $56,265	$56,265 (+283.22%) Land $56,265
2022	$426.00	$14,682 Land $14,682	$14,682 Land $14,682

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 300 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	300 in force
Nearby Flood Claims	154 (1984–2022)
Claims Outside the SFHA	16 of 154
Most Recent Claim	May 2022 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 49 claims Hurricane Dennis, Jul 2005 · 13 claims Hurricane Opal, Oct 1995 · 63 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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 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
WOW Internet, Cable & Phone Fiber	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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