1309 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1309 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 3,669 sqft · built 2020
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$635,100 (Jan 2021)
Tax Bill	$8,145 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Apr 2020 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`11731-260-120`

Property Details

APN / Parcel Number

Primary APN	`11731-260-120`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,669 sqft Heated Area
Gross Area	4,955 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	132 ft deep x 63 ft wide
Driveway	Driveway
Driveway Area	40 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1309 DISCOVERY LOOP N
City	PANAMA CITY
State	FL
Zip	32405-2954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 2A LOT 264 ORB 4347 P 1955
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 2A
Legal Phase	2A
Legal Lot Number	264
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

1309 Discovery Loop N is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1309 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2954
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
Jan 6, 2021	Special Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
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	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Apr 30, 2020 · Amount on File
Deed Document Number	2021001075
Deed Book / Page	4347 / 1955
Record Updated	Jun 8, 2026

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 6, 2021
Property Address	1309 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2954
Document Number	0043471955
Book / Page	4347 / 1955
Map Reference	MB 27 PG 35&36
Instrument Date	Dec 29, 2020
Instrument	2021001075
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	NOT AVAILABLE, DEFENDER TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 S ARNOLD RD, 400, PANAMA CITY BEACH, FL 32413-2110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2408 CAMRYNS XING, PANAMA CITY, FL 32405-6649

Mortgage

Document Number	0043471957
Date	Jan 6, 2021
Instrument	4347/1957

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	1309 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2954
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	1309 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2954
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	Arm's Length 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 1309 Discovery Loop N was $8,145 with a homeowner's exemption.

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	$8,145.00 Homeowner's exemption	$557,742	$681,410 Land $66,300 Building $615,110
2023	$8,589.00 (+7.48%) Homeowner's exemption	$526,236 (+3%)	$575,532 (+12.65%) Land $56,265 Building $519,267
2022	$7,991.00 Homeowner's exemption	$510,909 Land $51,700 Building $459,209	$510,909 Land $51,700 Building $459,209

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

Flood

FEMA maps place 1309 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 1309 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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