Bay County property record for 1709 Discovery Loop, Panama City, FL 32405 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2019 |
| Square Footage | 2,542 sqft Heated Area |
| Lot Size | 5,140 sqft (0.117 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $366,425 (2019) |
| Tax Bill | $5,114.00 (2025) |
| Primary APN | 11731-200-026 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,542 sqft Heated Area |
| Gross Area | 3,445 sqft Gross Area |
| 1st Floor Area | 1,214 sqft 1st Floor |
| 2nd Floor Area | 1,328 sqft 2nd Floor |
| Stories | 2 Stories |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,140 sqft (0.117 acres) |
| Lot Dimensions | 115 ft deep x 45 ft wide |
| Driveway | Driveway |
| Driveway Area | 40 sqft Driveway |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1709 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 153 ORB 4138 P 2186 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 19 |
| Legal Subdivision | SWEETBAY PHASE 1B |
| Legal Phase | 1B |
| Legal Lot Number | 153 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 1501 |
Source: Bay County records · APN 11731-200-026
Assessment roll updated July 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 1709 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 27, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 27, 2019 · Amount on Record |
| Deed Sale | Jun 27, 2019 · Amount on Record |
| Deed Document Number | 2019059433 |
| Deed Book / Page | 4138 / 2186 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1709 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1709 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946 |
| Document Number | 0043880942 |
|---|---|
| Date | Apr 08, 2021 |
| Book Page | 4388/942 |
| Instrument | 2021025926 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 27, 2019 |
| Property Address | 1709 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946 |
| Document Number | 0041382186 |
| Book / Page | 4138 / 2186 |
| Map Reference | MB 25 PG 88 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 2019059433 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 02, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,565.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1903 WRIGHT PL STE 220, 1903, CARLSBAD, CA 92008-6584 |
| Name | Verified Name |
|---|---|
| Address | 1709 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946 |
| Document Number | 0041382189 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 4138/2189 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,114.00 (-5.63%) Homeowner's exemption | $365,883 (+5.99%) | $444,717 (+18.13%) Land $66,300 Building $378,417 |
| 2023 | $5,419.00 (+6.72%) Homeowner's exemption | $345,215 (+3%) | $376,460 (+12.32%) Land $56,265 Building $320,195 |
| 2022 | $5,078.00 Homeowner's exemption | $335,160 Land $51,700 Building $283,460 | $335,160 Land $51,700 Building $283,460 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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