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1040 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1040 Discovery Loop N, Panama City, FL 32405 · Last verified February 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2023
Square Footage2,640 sqft Heated Area
Lot Size6,882 sqft (0.157 acres)
OccupancyOwner Occupied
Last Sale$624,100 (2023)
Tax Bill$7,423.00 (2025)

Property Details

APN / Parcel Number

Primary APN11731-400-010

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,640 sqft Heated Area
Gross Area3,800 sqft Gross Area
Stories2 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2023
Exterior MaterialOther Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialShingle Roof
Lot Area6,882 sqft (0.157 acres)
Depth X Width130 ft x 49 ft Depth x Width
Driveway1 Driveway
Driveway Area60 sqft Driveway
FenceFence
SprinklersInstalled Lawn/Plantings Watering System Sprinklers

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Street Address1040 DISCOVERY LOOP N
CityPANAMA CITY
StateFL
Zip32405-2956
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PH 2D LOT 462 ORB 4750 P 1949
Legal SubdivisionSWEETBAY
Legal Phase2D
Legal Lot Number462
JurisdictionBAY FL
Minor Civil DivisionPANAMA CITY
Census Blockgroup1
Census Block1014
Census Tract1501

Owner

Source: Bay County records · APN 11731-400-010

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1040 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 21, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
VANDERBILT MORTGAGE & FINANCE INC
Jul 14, 2022Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 21, 2023 · Amount on Record
Deed SaleNov 21, 2023 · Amount on Record
Prior SaleJul 14, 2022
Deed Doc Number2023072805
Deed Book / Page4750 / 1949
Record RefreshedJun 08, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateNov 21, 2023
Property Address1040 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number0047501949
Book / Page4750 / 1949
Map ReferenceMB 29 PG 50
Instrument DateNov 17, 2023
Instrument2023072805
Transaction TypeTransfer
Record UpdatedDec 15, 2023
Title CompanySOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,368.70
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3111 TIMBERLAKE RD # 100, 100, VESTAVIA, AL 35243-2311

Transferred To (Grantee/Buyer)

NameVerified Name
Address3100 SWEETBAY AVE APT 2218, 2218, PANAMA CITY, FL 32405-2292

Mortgage

Document Number0047501951
DateNov 21, 2023
Instrument4750/1951
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2053

July 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionBAY FL
Recording DateJul 14, 2022
Property Address1040 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number0045880171
Book / Page4588 / 171
Map ReferenceMB 29 PG 50-51
Instrument DateJul 12, 2022
Instrument2022052592
Transaction TypeTransfer
Record UpdatedJan 15, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
Address1903 WRIGHT PL STE 220, 220, CARLSBAD, CA 92008-6584
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$7,423.00 (+577.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$517,028 (+818.92%) Land $66,300 Building $450,728$517,028 (+818.92%) Land $66,300 Building $450,728
2023$1,095.00 (+339.76%)$56,265 (+237.52%) Land $56,265$56,265 (+237.52%) Land $56,265
2022$249.00$16,670 Land $16,670$16,670 Land $16,670

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation8.0 ft

Wildfire

Wildfire RiskModerate
above 40% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 1,724 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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