1401 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1401 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,764 sqft · built 2020
Lot Size	0.137 acres (5,967 sqft)
Owner	Individual Name on File
Last Sale	$549,999 (May 2026)
Tax Bill	$6,137 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`11731-260-100`

Property Details

APN / Parcel Number

Primary APN	`11731-260-100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,764 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	5,967 sqft (0.137 acres)
Lot Dimensions	125 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	484 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	1401 DISCOVERY LOOP N
City	PANAMA CITY
State	FL
Zip	32405-2953
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 2A LOT 262 ORB 4655 P 2204
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 2A
Legal Phase	2A
Legal Lot Number	262
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

1401 Discovery Loop N is owned and occupied by an individual who bought it in May 2026.

Source: Bay County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	833 BREAKFAST POINT BLVD, PANAMA CITY BEACH, FL 32407-2656
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Feb 10, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 16, 2020	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Apr 30, 2020	Grant Deed, Transfer SHORELINE TITLE LLC
Apr 29, 2020	Loan Modification, Mortgage · Line of Credit AMERIS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Prior Sale	Feb 10, 2023 · Amount on File
Deed Document Number	202631114
Deed Book / Page	5037 / 1584
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 22, 2026
Property Address	1401 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
Document Number	0000031114
Book / Page	5037 / 1584
Instrument Date	May 21, 2026
Instrument	202631114
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	FLORIDA R/E TITLE LLC, FLORIDA OPEN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388,848.99
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	833 BREAKFAST POINT BLVD, PANAMA CITY BEACH, FL 32407-2656

Mortgage

Document Number	0000031115,
Date	May 22, 2026
Instrument	202631115

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 22, 2026
Property Address	1401 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
Document Number	0050371584
Book / Page	5037 / 1584
Instrument Date	May 21, 2026
Instrument	202631114
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FLORIDA TITLE, FLORIDA OPEN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388,848.99
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	833 BREAKFAST POINT BLVD, PANAMA CITY BEACH, FL 32407-2656

Mortgage

Document Number	0000031115,
Date	May 22, 2026
Instrument	202631115

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 10, 2023
Property Address	1401 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
Document Number	0046552204
Book / Page	4655 / 2204
Map Reference	MB 27 PG 35
Instrument Date	Feb 9, 2023
Instrument	2023008036
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3414 WISE CT UNIT 3, 3, FORT MEADE, MD 20755-2584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4251 FOX ST APT 104, 104, ORLANDO, FL 32814-6207

Mortgage

Document Number	0046552206
Date	Feb 10, 2023
Instrument	4655/2206

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Nov 16, 2020
Property Address	1401 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
Document Number	0043241117
Book / Page	004324 / 001117
Instrument Date	Nov 12, 2020
Instrument	77024
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	RELIANT TITLE AND ESCROW, RELIANT TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,427.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1401 DISCOVERY LLOP PANAMA CITY FL 32405, PANAMA CITY, FL 32405

Mortgage

Document Number	43241119
Date	Nov 16, 2020
Book Page	004324/001119
Instrument	77025

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2050

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Apr 30, 2020
Property Address	1401 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
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

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	1401 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
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

Tax Assessment & Valuation

The 2025 property tax bill for 1401 Discovery Loop N was $6,137 with a homeowner's exemption.

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	$6,137.00 Homeowner's exemption	$421,126	$465,498 Land $66,300 Building $399,198
2023	$5,891.00 (+15.87%)	$335,948 (+12.05%) Land $56,265 Building $279,683	$335,948 (+12.05%) Land $56,265 Building $279,683
2022	$5,084.00	$299,815 Land $51,700 Building $248,115	$299,815 Land $51,700 Building $248,115

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

Flood

FEMA maps place 1401 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 1401 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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