1504 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1504 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 2020
Lot Size	0.112 acres (4,879 sqft)
Owner	2 Individual Names on Record
Last Sale	$301,400 (Feb 2020)
Tax Bill	$4,027 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11731-250-290`

Property Details

APN / Parcel Number

Primary APN	`11731-250-290`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,745 sqft Heated Area
Gross Area	2,619 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,879 sqft (0.112 acres)
Lot Dimensions	109 ft deep x 45 ft wide
Driveway	Driveway
Driveway Area	40 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1504 DISCOVERY LOOP N
City	PANAMA CITY
State	FL
Zip	32405-2934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PH 1C REPLAT LOT 212 ORB 4218 P 1075
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY
Legal Phase	1C
Legal Lot Number	212
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

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 Record	2 Individual Names on Record
Mailing Address	1504 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit PANHANDLE CU
Oct 6, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Feb 4, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS
Oct 16, 2019	Grant Deed, Transfer AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2020 · Amount on Record
Deed Sale	Feb 4, 2020 · Amount on Record
Deed Document Number	2020008866
Deed Book / Page	4218 / 1075
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1504 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934

Mortgage

Document Number	0046211194
Date	Oct 17, 2022
Book Page	4621/1194
Instrument	2022075905

Lender

Name	PANHANDLE CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	203 Months
Due	Sep 27, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1504 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934

Mortgage

Document Number	0044691636
Date	Oct 6, 2021
Book Page	4469/1636
Instrument	2021076434

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2051

February 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 4, 2020
Property Address	1504 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Document Number	0042181076
Book / Page	004218 / 001076
Instrument Date	Jan 31, 2020
Instrument	8866
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,110.00
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	113 REDFISH WAY PANAMA CITY FL 324048962, PANAMA CITY, FL 32404-8962

Mortgage

Document Number	42181077
Date	Feb 4, 2020
Book Page	004218/001077
Instrument	8867

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Oct 16, 2019
Property Address	1504 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Document Number	0041800629
Book / Page	004180 / 000629
Instrument Date	Oct 15, 2019
Instrument	90823
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$23,287.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 S ARNOLD RD PANAMA CITY BEACH FL 324132110, PANAMA CITY BEACH, FL 32413-2110

Mortgage

Document Number	41800645
Date	Oct 16, 2019
Book Page	004180/000645
Instrument	90826

Lender

Name	AMERIS BK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,027.00 (-4.05%) Homeowner's exemption	$297,010 (+7.86%)	$359,602 (+19.7%) Land $66,300 Building $293,302
2023	$4,197.00 (+6.25%) Homeowner's exemption	$275,362 (+3%)	$300,410 (+12.09%) Land $56,265 Building $244,145
2022	$3,950.00 Homeowner's exemption	$267,342	$267,999 Land $51,700 Building $216,299

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
WOW Internet, Cable & Phone Cable · Fiber in parts of the area	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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