1512 Discovery Loop N, Panama City, FL 32405 Property Records

Bay County property record for 1512 Discovery Loop N, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 2019
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Mar 2022)
Tax Bill	$4,849 (2025)
Deeds & Mortgages	Dec 2025 Transfer Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11731-250-270`

Property Details

APN / Parcel Number

Primary APN	`11731-250-270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,745 sqft Living Area
1st Floor Area	1,745 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	112 ft deep x 45 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	1512 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 210 ORB 4539 P 667
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY PH 1C REPLAT
Legal Phase	1C
Legal Lot Number	210
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

1512 Discovery Loop N is owned and occupied by two individuals who acquired it in December 2025.

Source: Bay County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1512 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Dec 4, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 21, 2022	Warranty Deed, Transfer · Conventional Mortgage PANHANDLE CU
Dec 30, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC
Oct 16, 2019	Grant Deed, Transfer AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Deed Document Number	202220656
Deed Book / Page	4539 / 667
Last Transfer Date	Dec 4, 2025
Transfer Doc	0049800977
Record Updated	Jun 8, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Dec 4, 2025
Property Address	1512 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Document Number	0049800977
Book / Page	4980 / 977
Map Reference	MB 27 PG 3
Instrument Date	Dec 4, 2025
Instrument	2025070787
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1512 DISCOVERY LOOP, PANAMA CITY, FL 32405-2856

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	890 BLUEBERRY DR, GRAND RIDGE, FL 32442-3606

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 21, 2022
Property Address	1512 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Document Number	0045390667
Book / Page	4539 / 667
Map Reference	MB 27 PG 3
Instrument Date	Mar 18, 2022
Instrument	2022020656
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2117 RUSHES AVE, 2117, PANAMA CITY, FL 32405-2066

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 N MONRACE STREET, TALLAHASSEE, FL 32309

Mortgage

Document Number	0004539669
Date	Mar 21, 2022
Instrument	4539/669

Lender

Name	PANHANDLE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 30, 2019
Property Address	1512 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2934
Document Number	0042061069
Book / Page	004206 / 001069
Instrument Date	Dec 11, 2019
Instrument	109380
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,141.00
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	1132 CROOKED LN PANAMA CITY FL 324092536, PANAMA CITY, FL 32409-2536

Mortgage

Document Number	42061071
Date	Dec 30, 2019
Book Page	004206/001071
Instrument	109381

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2049

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Oct 16, 2019
Property Address	1512 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 on Record
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 on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1512 Discovery Loop N was $4,849, up 0.4% from the year before.

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	$4,849.00 (+0.43%) Homeowner's exemption	$349,084 (+3.2%)	$434,658 (+1.91%) Land $66,300 Building $368,358
2024	$4,828.00 (-4.51%) Homeowner's exemption	$338,274 (+3%)	$426,516 (+16.7%) Land $60,400 Building $366,116
2023	$5,056.00 (+29.05%) Homeowner's exemption	$328,421 (+24.32%)	$365,486 (+32.31%) Land $56,265 Building $309,221
2022	$3,918.00 Homeowner's exemption	$264,182	$276,228 Land $51,700 Building $224,528

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

Flood

FEMA maps place 1512 Discovery Loop N in Zone X, an area of minimal 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 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 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 1512 Discovery Loop N is low, with less than a 0.01% annual chance of 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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