Bay County property record for 1017 Discovery Loop N, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,440 sqft · built 2023 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | Individual Name on File |
| Last Sale | $513,500 (Jun 2023) |
| Tax Bill | $6,203 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Jun 2022 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 11731-350-480 |
| Primary APN | 11731-350-480 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,440 sqft Heated Area |
| Gross Area | 2,880 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 4,966 sqft (0.114 acres) |
| Lot Dimensions | 128 ft deep x 33 ft wide |
| Driveway | Driveway |
| Driveway Area | 60 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1017 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 435 ORB 4696 P 2040 |
| Legal Subdivision | SWEETBAY |
| Legal Phase | 2C |
| Legal Lot Number | 435 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1501 |
Source: Bay County records · APN 11731-350-480
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1017 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 08, 2023 | Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 21, 2022 | Special Warranty Deed, Transfer SHORELINE TITLE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 08, 2023 · Amount on Record |
| Deed Sale | Jun 08, 2023 · Amount on Record |
| Prior Sale | Jun 21, 2022 · Amount on Record |
| Deed Document Number | 2023035350 |
| Deed Book / Page | 4696 / 2040 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 08, 2023 |
| Property Address | 1017 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956 |
| Document Number | 0046962040 |
| Book / Page | 4696 / 2040 |
| Map Reference | MB 28 PG 80 |
| Instrument Date | Jun 06, 2023 |
| Instrument | 2023035350 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | WATERSOUND CLOSINGS & ESCROW LLC, WATERSOUND CLOSINGS & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,594.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 S ARNOLD RD, PANAMA CITY BEACH, FL 32413-2110 |
| Name | Verified Name |
|---|---|
| Address | 2505 E 9TH ST, LYNN HAVEN, FL 32444-3219 |
| Document Number | 0046962044 |
|---|---|
| Date | Jun 08, 2023 |
| Instrument | 4696/2044 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 21, 2022 |
| Property Address | 1017 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 07, 2023 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,560.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1903 WRIGHT PL STE 220, 220, CARLSBAD, CA 92008-6584 |
| Name | Verified Name |
|---|---|
| Address | 400 S ARNOLD RD, PANAMA CITY BEACH, FL 32413-2110 |
| Investor | Possibly a Property Investor |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,203.00 (+466.48%) Homeowner's exemption | $434,834 (+672.83%) Land $66,300 Building $368,534 | $434,834 (+672.83%) Land $66,300 Building $368,534 |
| 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 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
Based on FCC filings for 274 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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