1508 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1508 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,359 sqft · built 2020
Lot Size	0.112 acres (4,922 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Sep 2023)
Tax Bill	$7,118 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11731-250-280`

Property Details

APN / Parcel Number

Primary APN	`11731-250-280`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,359 sqft Heated Area
Gross Area	3,336 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,922 sqft (0.112 acres)
Lot Dimensions	110 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	1508 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 211 ORB 4730 P 1256
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY
Legal Phase	1C
Legal Lot Number	211
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1221 CHICKADEE ST, PANAMA CITY, FL 32405-2792
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Aug 25, 2021	Warranty Deed, Transfer · Conventional Mortgage HANCOCK MORTGAGE PARTNERS LLC
Jan 21, 2020	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 16, 2019	Grant Deed, Transfer AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	2023058506
Deed Book / Page	4730 / 1256
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 14, 2023
Property Address	1508 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Document Number	0047301256
Book / Page	4730 / 1256
Map Reference	MB 27 PG 3
Instrument Date	Sep 14, 2023
Instrument	2023058506
Transaction Type	Transfer
Record Updated	Oct 9, 2023
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4839 DAMASCUS CHURCH RD, GRACEVILLE, FL 32440-4515

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1221 CHICKADEE ST, PANAMA CITY, FL 32405-2792

Mortgage

Document Number	0047301261
Date	Sep 14, 2023
Instrument	4730/1261

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 25, 2021
Property Address	1508 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Document Number	0044511617
Book / Page	4451 / 1617
Map Reference	MB 27 PG 3
Instrument Date	Aug 24, 2021
Instrument	2021065247
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	NOT AVAILABLE, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	170 BRAZIL DR, 170, BUDA, TX 78610-4416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1508 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934

Mortgage

Document Number	0044511619
Date	Aug 25, 2021
Instrument	4451/1619

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 21, 2020
Property Address	1508 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Document Number	0042130576
Book / Page	4213 / 576
Map Reference	MB 27 PG 3
Instrument Date	Jan 17, 2020
Instrument	2020004858
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.70
Amount Accuracy	Full Amount Stated
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	590 SUWANNEE RD # 500, 500, PANAMA CITY, FL 32403-5558

Mortgage

Document Number	0042130578
Date	Jan 21, 2020
Instrument	4213/0578

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Oct 16, 2019
Property Address	1508 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	$7,118.00 (-1.04%)	$450,721 (+0.17%) Land $66,300 Building $384,421	$450,721 (+0.17%) Land $66,300 Building $384,421
2023	$7,193.00 (+8.12%) Homeowner's exemption	$449,972 (+12.63%) Land $56,265 Building $393,707	$449,972 (+12.63%) Land $56,265 Building $393,707
2022	$6,653.00	$399,531 Land $51,700 Building $347,831	$399,531 Land $51,700 Building $347,831

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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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 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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