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1429 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1429 Discovery Loop N, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,232 sqft · built 2020
Lot Size0.135 acres (5,924 sqft)
OwnerIndividual Name on Record
Last Sale$580,000 (Jan 2023)
Tax Bill$4,452 (2022)
Deeds & MortgagesApr 2020 Loan Modification
Apr 2020 Sale
Flood ZoneZone X (moderate risk)
APN11731-260-030

Property Details

APN / Parcel Number

Primary APN11731-260-030

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,232 sqft Heated Area
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,924 sqft (0.135 acres)
Lot Dimensions119 ft deep x 50 ft wide
DrivewayDriveway
Driveway Area50 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1429 DISCOVERY LOOP N
CityPANAMA CITY
StateFL
Zip32405-2953
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PHASE 2A LOT 255
Legal Range14W
Legal Township03S
Legal Section19
Legal SubdivisionSWEETBAY
Legal Phase2A
Legal Lot Number255
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1014
Census Tract1501

Owner

Source: Bay County records, as of November 6, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1429 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 29, 2020Loan Modification, Mortgage · Line of Credit
AMERIS BK
Apr 30, 2020Grant Deed, Transfer
SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 13, 2023 · Amount on Record
Deed SaleJan 13, 2023 · Amount on Record
Prior SaleDec 23, 2020 · Amount on Record
Deed Document Number2023002587
Deed Book / Page4648 / 1074
Record UpdatedJun 7, 2026

April 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address1429 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
Document Number0042470892
Instrument DateApr 29, 2020
Transaction TypeMortgage
Record UpdatedDec 24, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1432 DISCOVERY LOOP N PANAMA CITY FL 32405, PANAMA CITY, FL 32405

Mortgage

Document Number0042470892
DateApr 30, 2020
Book Page004247/000892
Instrument28786
Lender
NameAMERIS BK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY FL
Recording DateApr 30, 2020
Property Address1429 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2953
Document Number0042470876
Book / Page004247 / 000876
Instrument DateApr 29, 2020
Instrument28784
Transaction TypeTransfer
Record UpdatedDec 24, 2020
Title CompanySHORELINE TITLE LLC

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address400 S ARNOLD RD CARLSBAD CA 92008, CARLSBAD, CA 92008

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2022

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
2022$4,452.00 Homeowner's exemption$324,468$325,563 Land $51,700 Building $273,863

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

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 500 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 RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% 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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