1045 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1045 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 2022
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on File
Last Sale	$504,900 (Dec 2022)
Tax Bill	$117 (2023)
Deeds & Mortgages	Nov 2023 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`11731-350-410`

Property Details

APN / Parcel Number

Primary APN	`11731-350-410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,745 sqft Heated Area
Gross Area	2,920 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Driveway	Driveway
Driveway Area	290 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1045 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 428 ORB 4842 P 1549
Legal Subdivision	SWEETBAY
Legal Phase	2C
Legal Lot Number	428
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

1045 Discovery Loop N is owned and occupied by two individuals who acquired it in September 2024.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1045 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
Nov 13, 2023	Deed of Trust, Mortgage · VA Mortgage LOANDRONE INC
Dec 9, 2022	Special Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 21, 2022	Special Warranty Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 9, 2022 · Amount on File
Deed Sale	Dec 9, 2022 · Amount on File
Prior Sale	Dec 9, 2022 · Amount on File
Deed Document Number	0046380719
Deed Book / Page	4638 / 719
Last Transfer Date	Sep 19, 2024
Transfer Doc	0048421549
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1045 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956

Mortgage

Document Number	0047481248
Date	Nov 13, 2023
Book Page	4748/1248
Instrument	2023071090

Lender

Name	LOANDRONE INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Dec 1, 2050

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 9, 2022
Property Address	1045 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number	0046380719
Book / Page	4638 / 719
Map Reference	MB 28 PG 80-83
Instrument Date	Dec 8, 2022
Instrument	2022087594
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	WATERSOUND CLOSINGS & ESCROW LLC, WATERSOUND CLOSINGS & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,534.30
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	348 ALLIE WAY, PANAMA CITY, FL 32404-8186

Mortgage

Document Number	0004638721
Date	Dec 9, 2022
Instrument	4638/721

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 21, 2022
Property Address	1045 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	Jan 15, 2024
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

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$447,341	$501,986 Land $66,300 Building $435,686
2023	$117.00 (-72.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$422,072 (+2,774.76%) Land $56,265 Building $365,807	$422,072 (+2,774.76%) Land $56,265 Building $365,807
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 1045 Discovery Loop N in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 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 1045 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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