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1048 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1048 Discovery Loop N, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,640 sqft · built 2024
Lot Size0.166 acres (7,231 sqft)
OwnerIndividual Name on Record
Last Sale$618,100 (Mar 2024)
Tax Bill$7,401 (2025)
Deeds & MortgagesMar 2024 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN11731-400-030

Property Details

APN / Parcel Number

Primary APN11731-400-030

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,640 sqft Heated Area
Gross Area3,580 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area7,231 sqft (0.166 acres)
Lot Dimensions138 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1048 DISCOVERY LOOP N
CityPANAMA CITY
StateFL
Zip32405-2956
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PH 2D LOT 464 ORB 4778 P 1339
Legal SubdivisionSWEETBAY
Legal Phase2D
Legal Lot Number464
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 Address1048 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 1, 2024 · Amount on Record
Deed SaleMar 1, 2024 · Amount on Record
Deed Document Number2024011718
Deed Book / Page4778 / 1339
Record UpdatedJun 8, 2026

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 1, 2024
Property Address1048 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956
Document Number0047781339
Book / Page4778 / 1339
Map ReferenceMB 29 PG 50
Instrument DateFeb 27, 2024
Instrument2024011718
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanySOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,326.70
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1048 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2956

Mortgage

Document Number0047781341
DateMar 1, 2024
Instrument4778/1341
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2054

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$7,401.00 (+575.89%) Homeowner's exemption$510,643 (+807.57%) Land $66,300 Building $444,343$510,643 (+807.57%) Land $66,300 Building $444,343
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

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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