1025 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1025 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,109 sqft · built 2023
Lot Size	0.164 acres (7,144 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Jan 2024)
Tax Bill	$8,294 (2024)
Deeds & Mortgages	Jan 2024 Sale Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`11731-350-460`

Property Details

APN / Parcel Number

Primary APN	`11731-350-460`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,109 sqft Heated Area
Gross Area	3,057 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	7,144 sqft (0.164 acres)
Lot Dimensions	129 ft deep x 61 ft wide
Driveway	Driveway
Driveway Area	616 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1025 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 433 ORB 4766 P 180
Legal Subdivision	SWEETBAY
Legal Phase	2C
Legal Lot Number	433
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1025 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2024	Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE
Jul 17, 2023	Special Warranty Deed, Transfer · Commercial Mortgage CENTRAL STATE BANK
Jun 21, 2022	Special Warranty Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2024 · Amount on Record
Deed Sale	Jan 19, 2024 · Amount on Record
Prior Sale	Jul 17, 2023 · Amount on Record
Deed Document Number	2024002887
Deed Book / Page	4766 / 180
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 19, 2024
Property Address	1025 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number	0047660180
Book / Page	4766 / 180
Map Reference	MB 28 PG 80
Instrument Date	Jan 17, 2024
Instrument	2024002887
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1205 RUTH WAY, AUBURN, AL 36830-3062

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1025 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956

July 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 17, 2023
Property Address	1025 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number	0047100671
Book / Page	4710 / 671
Map Reference	MB 28 PG 80
Instrument Date	Jul 14, 2023
Instrument	2023044399
Transaction Type	Transfer
Record Updated	Aug 14, 2023
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	$4,284.00
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	39 LAKE MIST LN, INLET BEACH, FL 32461-7470

Mortgage

Document Number	0004710678
Date	Jul 17, 2023
Instrument	4710/678

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 21, 2022
Property Address	1025 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		$341,985 (+507.81%)	$532,438 (+846.3%) Land $66,300 Building $466,138
2024	$8,294.00 (+657.44%)
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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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