1204 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1204 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,742 sqft · built 2020
Lot Size	0.149 acres (6,490 sqft)
Owner	2 Trust Names on File
Last Sale	$490,000 (Feb 2023)
Tax Bill	$5,835 (2025)
Deeds & Mortgages	Apr 2026 Sale Feb 2023 Sale + 3 more
Flood Zone	Zone X (moderate risk)
APN	`11731-260-170`

Property Details

APN / Parcel Number

Primary APN	`11731-260-170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,742 sqft Living Area
Gross Area	2,204 sqft
1st Floor Area	1,742 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	40 sqft
Porch	Open Porch
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1204 DISCOVERY LOOP N
City	PANAMA CITY
State	FL
Zip	32405-2975
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 2A LOT 269 ORB 4656 P 1784
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 2A
Legal Phase	2A
Legal Lot Number	269
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

1204 Discovery Loop N is owner-occupied and held in a trust since April 2026.

Source: Bay County records, as of May 5, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Apr 13, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 14, 2023	Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB
Nov 12, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI REGIONS BK
Apr 29, 2020	Loan Modification, Mortgage · Line of Credit AMERIS BK
Apr 30, 2020	Grant Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2023 · Amount on File
Deed Sale	Feb 14, 2023 · Amount on File
Prior Sale	Nov 12, 2020 · Amount on File
Deed Document Number	20238593
Deed Book / Page	4656 / 1784
Last Transfer Date	Apr 9, 2026
Transfer Doc	0000021651
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 13, 2026
Property Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975
Document Number	0000021651
Book / Page	5023 / 86
Instrument Date	Apr 9, 2026
Instrument	202621651
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 14, 2023
Property Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975
Document Number	0046561784
Book / Page	4656 / 1784
Map Reference	MB 27 PG 35
Instrument Date	Feb 13, 2023
Instrument	2023008593
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE SRB

Transaction

Amount	Amount on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Nov 12, 2020
Property Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975
Document Number	0043230123
Book / Page	004323 / 000123
Instrument Date	Nov 9, 2020
Instrument	76169
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,407.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1204 DISCOVERY LOOP N PANAMA CITY FL 32405, PANAMA CITY, FL 32405

Mortgage

Document Number	43230125
Date	Nov 12, 2020
Book Page	004323/000125
Instrument	76170

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975
Document Number	0042470892
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1432 DISCOVERY LOOP N PANAMA CITY FL 32405, PANAMA CITY, FL 32405

Mortgage

Document Number	0042470892
Date	Apr 30, 2020
Book Page	004247/000892
Instrument	28786

Lender

Name	AMERIS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Apr 30, 2020
Property Address	1204 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2975
Document Number	0042470876
Book / Page	004247 / 000876
Instrument Date	Apr 29, 2020
Instrument	28784
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	SHORELINE TITLE LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 S ARNOLD RD CARLSBAD CA 92008, CARLSBAD, CA 92008

Tax Assessment & Valuation

The 2025 property tax bill for 1204 Discovery Loop N was $5,835 with a homeowner's exemption, up 0.6% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

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	$5,835.00 (+0.6%) Homeowner's exemption	$411,537	$429,019 Land $66,300 Building $362,719
2024	$5,800.00 (+30.72%)
2023	$4,437.00 (+6.35%) Homeowner's exemption	$288,380 (+3%)	$323,824 (+12.42%) Land $56,265 Building $267,559
2022	$4,172.00 Homeowner's exemption	$279,981	$288,039 Land $51,700 Building $236,339

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1204 Discovery Loop N in Zone X, an area of moderate flood risk, within 500 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 500 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 1204 Discovery Loop N is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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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