Bay County property record for 1608 Discovery Loop N, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,764 sqft · built 2019 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $306,939 (Oct 2019) |
| Tax Bill | $3,840 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 11731-250-560 |
| Primary APN | 11731-250-560 |
|---|
| 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 |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 117 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 |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1608 DISCOVERY LOOP N |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-2935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SWEETBAY PH 1C REPLAT LOT 239 ORB 4842 P 2261 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 18 |
| Legal Subdivision | SWEETBAY PH 1C REPLAT |
| Legal Phase | 1C |
| Legal Lot Number | 239 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1501 |
Source: Bay County records, as of January 5, 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 | 1608 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2935 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · VA Mortgage BAYWAY MORTGAGE GROUP |
| Oct 16, 2019 | Warranty Deed, Transfer · VA Mortgage BAYWAY MORTGAGE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2019 · Amount on Record |
| Deed Sale | Oct 16, 2019 · Amount on Record |
| Deed Document Number | 201990677 |
| Deed Book / Page | 4180 / 48 |
| Last Transfer Date | Sep 19, 2024 |
| Transfer Doc | 0048422261 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1608 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2935 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1608 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2935 |
| Document Number | 0044911303 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 4491/1303 |
| Instrument | 2021090304 |
| Name | BAYWAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Address | JACKSONVILLE, FL 32216 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 16, 2019 |
| Property Address | 1608 DISCOVERY LOOP N, PANAMA CITY, FL 32405-2935 |
| Document Number | 0041800048 |
| Book / Page | 4180 / 0048 |
| Map Reference | MB 27 PG 3 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 2019090677 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,149.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 S ARNOLD RD, 400, PANAMA CITY BEACH, FL 32413-2110 |
| Name | Verified Name |
|---|---|
| Address | 115 HOLLY RIBBONS CIR, BLUFFTON, SC 29909-6197 |
| Document Number | 0000418050 |
|---|---|
| Date | Oct 16, 2019 |
| Instrument | 4180/50 |
| Name | BAYWAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,840.00 (-0.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $290,178 (+5.99%) | $355,227 (+17.99%) Land $66,300 Building $288,927 |
| 2024 | $3,862.00 (-5.64%) | ||
| 2023 | $4,093.00 (+6.15%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $273,786 (+3%) | $301,064 (+12.1%) Land $56,265 Building $244,799 |
| 2022 | $3,856.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $265,812 | $268,571 Land $51,700 Building $216,871 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 |
| 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.
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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