1705 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1705 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,772 sqft · built 2019
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Jan 2021)
Tax Bill	$4,277 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`11731-200-025`

Property Details

APN / Parcel Number

Primary APN	`11731-200-025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,772 sqft Heated Area
Gross Area	2,576 sqft
1st Floor Area	1,772 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	115 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	1705 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1B LOT 152 ORB 4346 P 1288
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1B
Legal Phase	1B
Legal Lot Number	152
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1019
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
Mailing Address	1705 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
May 17, 2019	Warranty Deed, Subdivision Related Transfer · Conventional with PMI SMARTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	May 17, 2019 · Amount on Record
Deed Document Number	0043461288
Deed Book / Page	4346 / 1288
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 4, 2021
Property Address	1705 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946
Document Number	0043461288
Book / Page	4346 / 1288
Map Reference	MB 25 PG 88
Instrument Date	Jan 4, 2021
Instrument	2021000322
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 BUNKERS COVE RD, 106, PANAMA CITY, FL 32401-3908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946

Mortgage

Document Number	0043461290
Date	Jan 4, 2021
Instrument	4346/1290

Lender

Name	REGIONS BANK
Type	Bank

Agreement

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

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 17, 2019
Property Address	1705 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946
Document Number	0041241161
Book / Page	004124 / 001161
Instrument Date	Apr 4, 2019
Instrument	47863
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 11, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,143.32
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	1705 DISCOVERY LOOP PANAMA CITY FL 324052946, PANAMA CITY, FL 32405-2946

Mortgage

Document Number	41241164
Date	May 17, 2019
Book Page	004124/001164
Instrument	47864

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

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	$4,277.00 (-5.86%) Homeowner's exemption	$312,872 (+5.99%)	$381,951 (+18.57%) Land $66,300 Building $315,651
2023	$4,543.00 (+6.79%) Homeowner's exemption	$295,198 (+3%)	$322,135 (+12.4%) Land $56,265 Building $265,870
2022	$4,254.00 Homeowner's exemption	$286,600 Land $51,700 Building $234,900	$286,600 Land $51,700 Building $234,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
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 99.1% of the US · lower than 98.7% 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 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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