1708 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1708 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,477 sqft · built 2019
Lot Size	0.132 acres (5,749 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Aug 2022)
Tax Bill	$7,368 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`11731-250-520`

Property Details

APN / Parcel Number

Primary APN	`11731-250-520`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,477 sqft Living Area
1st Floor Area	2,477 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	5,749 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	75 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	1708 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 235 ORB 4602 P 449
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY PH 1C REPLAT
Legal Phase	1C
Legal Lot Number	235
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 5, 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	1708 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Warranty Deed, Transfer · Conventional Mortgage INNOVATIONS FCU
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 18, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Oct 16, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2022 · Amount on Record
Deed Sale	Aug 24, 2022 · Amount on Record
Prior Sale	Oct 16, 2019 · Amount on Record
Deed Document Number	202262833
Deed Book / Page	4602 / 449
Prior Transfer Date	Apr 15, 2022
Prior Transfer Doc	0045511041
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 24, 2022
Property Address	1708 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897
Document Number	0046020449
Book / Page	4602 / 449
Map Reference	MB 27 PG 3
Instrument Date	Aug 18, 2022
Instrument	2022062833
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1708 DISCOVERY LOOP, 1708, PANAMA CITY, FL 32405-2897

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 HUNTINGDON RD, PANAMA CITY, FL 32405-3815

Mortgage

Document Number	0004602460
Date	Aug 24, 2022
Instrument	4602/460

Lender

Name	INNOVATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1708 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897

Mortgage

Document Number	0044041044
Date	May 11, 2021
Book Page	4404/1044
Instrument	2021035417

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

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

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Apr 18, 2022
Property Address	1708 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897
Document Number	0045511041
Book / Page	4551 / 1041
Map Reference	MB 27 PG 3
Instrument Date	Apr 15, 2022
Instrument	2022028394
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1708 DISCOVERY LOOP, 1708, PANAMA CITY, FL 32405-2897

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 16, 2019
Property Address	1708 DISCOVERY LOOP, PANAMA CITY, FL 32405-2897
Document Number	0041800218
Book / Page	4180 / 0218
Map Reference	MB 27 PG 3
Instrument Date	Oct 11, 2019
Instrument	2019090723
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,768.50
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	1603 SHERMAN AVE, PANAMA CITY, FL 32405-6324

Mortgage

Document Number	0004180220
Date	Oct 16, 2019
Instrument	4180/220

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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	$7,368.00 (+1.11%) Homeowner's exemption	$508,575 (+5.99%)	$643,184 (+18.71%) Land $66,300 Building $576,884
2024	$7,287.00 (-3.71%)
2023	$7,568.00 (+57.11%) Homeowner's exemption	$479,847 (+51.05%)	$541,822 (+60.94%) Land $56,265 Building $485,557
2022	$4,817.00 Homeowner's exemption	$317,683	$336,654 Land $51,700 Building $284,954

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 100 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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