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1029 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1029 Discovery Loop N, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,020 sqft · built 2022
Lot Size0.167 acres (7,318 sqft)
OwnerIndividual Name on Record
Last Sale$501,700 (Jan 2023)
Tax Bill$7,782 (2025)
Deeds & MortgagesJan 2023 Sale
Jun 2022 Sale
Flood ZoneZone X (moderate risk)
APN11731-350-450

Property Details

APN / Parcel Number

Primary APN11731-350-450

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,020 sqft Heated Area
Gross Area2,880 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area7,318 sqft (0.167 acres)
Lot Dimensions129 ft deep x 61 ft wide
DrivewayDriveway
Driveway Area55 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1029 DISCOVERY LOOP N
CityPANAMA CITY
StateFL
Zip32405-2956
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PHASE 2C LOT 432 ORB 4647 P 1081
Legal SubdivisionSWEETBAY
Legal Phase2C
Legal Lot Number432
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1014
Census Tract1501

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1750 LAGO VISTA BLVD, PALM HARBOR, FL 34685-3330
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 11, 2023Special Warranty Deed, Transfer
WATERSOUND CLOSINGS & ESCROW LLC, WATERSOUND CLOSINGS & ESCROW
Jun 21, 2022Special Warranty Deed, Transfer
SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 11, 2023 · Amount on Record
Deed SaleJan 11, 2023 · Amount on Record
Prior SaleJun 21, 2022 · Amount on Record
Deed Document Number2023001835
Deed Book / Page4647 / 1081
Record UpdatedJun 8, 2026

January 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateJan 11, 2023
Property Address1029 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number0046471081
Book / Page4647 / 1081
Map ReferenceMB 28 PG 80-83
Instrument DateDec 29, 2022
Instrument2023001835
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyWATERSOUND CLOSINGS & ESCROW LLC, WATERSOUND CLOSINGS & ESCROW

Transaction

AmountAmount Recorded
Tax$3,511.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address400 S ARNOLD RD, PANAMA CITY BEACH, FL 32413-2110

Transferred To (Grantee/Buyer)

NameVerified Name
Address1750 LAGO VISTA BLVD, PALM HARBOR, FL 34685-3330

June 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateJun 21, 2022
Property Address1029 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number0045781705
Book / Page4578 / 1705
Map ReferenceMB 28 PG 80
Instrument DateJun 13, 2022
Instrument2022046245
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanySHORELINE TITLE LLC

Transaction

AmountAmount Recorded
Tax$7,560.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1903 WRIGHT PL STE 220, 220, CARLSBAD, CA 92008-6584

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 S ARNOLD RD, PANAMA CITY BEACH, FL 32413-2110
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,782.00 (+14.37%)$492,767 (+18.93%) Land $66,300 Building $426,467$492,767 (+18.93%) Land $66,300 Building $426,467
2023$6,804.00 (+1,497.18%)$414,341 (+2,722.1%) Land $56,265 Building $358,076$414,341 (+2,722.1%) Land $56,265 Building $358,076
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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 300 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies300 in force
Nearby Flood Claims154 (1984–2022)
Claims Outside the SFHA16 of 154
Most Recent ClaimMay 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 RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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