1704 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1704 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 2020
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$301,420 (Jan 2020)
Tax Bill	$3,927 (2025)
Deeds & Mortgages	Jan 2020 Sale Oct 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`11731-250-530`

Property Details

APN / Parcel Number

Primary APN	`11731-250-530`

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	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Driveway	Driveway
Driveway Area	40 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1704 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2897
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PH 1C REPLAT LOT 236 ORB 4215 P 969
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY
Legal Phase	1C
Legal Lot Number	236
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	1704 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Oct 16, 2019	Grant Deed, Transfer AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on Record
Deed Sale	Jan 27, 2020 · Amount on Record
Deed Document Number	2020006446
Deed Book / Page	4215 / 969
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 27, 2020
Property Address	1704 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897
Document Number	0042150969
Book / Page	004215 / 000969
Instrument Date	Jan 24, 2020
Instrument	6446
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
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	6419 GARDENIA ST PANAMA CITY FL 324045163, PANAMA CITY, FL 32404-5163

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Oct 16, 2019
Property Address	1704 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897
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	$3,927.00 (-6.05%) Homeowner's exemption	$290,672 (+5.92%)	$353,476 (+18.01%) Land $66,300 Building $287,176
2023	$4,180.00 (+6.23%) Homeowner's exemption	$274,418 (+3%)	$299,520 (+12.13%) Land $56,265 Building $243,255
2022	$3,935.00 Homeowner's exemption	$266,425	$267,109 Land $51,700 Building $215,409

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 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	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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