Bay County property record for 1034 Discovery Loop N, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,543 sqft · built 2023 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $654,200 (Oct 2023) |
| Tax Bill | $1,095 (2023) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 11731-350-740 |
| Primary APN | 11731-350-740 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,543 sqft Heated Area |
| Gross Area | 3,484 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,625 sqft (0.198 acres) |
| Lot Dimensions | 131 ft deep x 59 ft wide |
| Driveway | Driveway |
| Driveway Area | 45 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1034 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 461 ORB 4739 P 110 |
| Legal Subdivision | SWEETBAY |
| Legal Phase | 2C |
| Legal Lot Number | 461 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1501 |
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 | 1034 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 26, 2026 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 11, 2023 | Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2023 · Amount on Record |
| Deed Sale | Oct 11, 2023 · Amount on Record |
| Deed Document Number | 2023064383 |
| Deed Book / Page | 4739 / 110 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1034 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1034 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956 |
| Document Number | 0049951745 |
|---|---|
| Date | Jan 26, 2026 |
| Book Page | 4995/1745 |
| Instrument | 2026004688 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 11, 2023 |
| Property Address | 1034 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956 |
| Document Number | 0047390110 |
| Book / Page | 4739 / 110 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 2023064383 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,579.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3111 TIMBERLAKE RD, VESTAVIA, AL 35243-2311 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1034 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956 |
| Document Number | 0004739112 |
|---|---|
| Date | Oct 11, 2023 |
| Instrument | 4739/112 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $428,990 (+662.45%) | $567,132 (+907.97%) Land $66,300 Building $500,832 |
| 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.
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 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 |
|
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: 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.
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 |
| 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.
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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