1021 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1021 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,019 sqft · built 2023
Lot Size	0.158 acres (6,926 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Aug 2023)
Tax Bill	$5,267 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`11731-350-470`

Property Details

APN / Parcel Number

Primary APN	`11731-350-470`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,019 sqft Heated Area
Gross Area	2,475 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,926 sqft (0.158 acres)
Lot Dimensions	129 ft deep x 61 ft wide
Driveway	Driveway
Driveway Area	60 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1021 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 434 ORB 4723 P 580
Legal Subdivision	SWEETBAY
Legal Phase	2C
Legal Lot Number	434
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

1021 Discovery Loop N is owned and occupied by an individual who bought it in August 2023.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1021 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Special Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jun 21, 2022	Special Warranty Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2023 · Amount on File
Deed Sale	Aug 23, 2023 · Amount on File
Prior Sale	Jun 21, 2022 · Amount on File
Deed Document Number	2023053432
Deed Book / Page	4723 / 580
Record Updated	Jun 8, 2026

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 23, 2023
Property Address	1021 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number	0047230580
Book / Page	4723 / 580
Map Reference	MB 28 PG 80
Instrument Date	Aug 18, 2023
Instrument	2023053432
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	WATERSOUND CLOSINGS & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 FERN COVE CIR, BIRMINGHAM, AL 35244-3218

Mortgage

Document Number	0004723582
Date	Aug 23, 2023
Instrument	4723/582

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	0047230603
Date	Aug 23, 2023
Book Page	4723/603
Instrument	2023053434

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 21, 2022
Property Address	1021 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 on Record
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

The 2025 property tax bill for 1021 Discovery Loop N was $5,267 with a homeowner's exemption.

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	$5,267.00 Homeowner's exemption	$375,560 Land $66,300 Building $309,260	$375,560 Land $66,300 Building $309,260
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

FEMA maps place 1021 Discovery Loop N in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1021 Discovery Loop N is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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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