Bay County property record for 1713 Discovery Loop, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,772 sqft · built 2019 |
| Lot Size | 0.117 acres (5,140 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $291,091 (May 2019) |
| Tax Bill | $3,848 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage May 2019 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 11731-200-027 |
| Primary APN | 11731-200-027 |
|---|
| 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 |
| 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 |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1713 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 154 ORB 4129 P 1096 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 19 |
| Legal Subdivision | SWEETBAY PHASE 1B |
| Legal Phase | 1B |
| Legal Lot Number | 154 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 1501 |
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 | 1713 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIDSOUTH BANK |
| May 31, 2019 | Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2019 · Amount on Record |
| Deed Sale | May 31, 2019 · Amount on Record |
| Deed Document Number | 2019051892 |
| Deed Book / Page | 4129 / 1096 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1713 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042291030 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 4229/1030 |
| Instrument | 2020016939 |
| Name | MIDSOUTH BANK |
|---|---|
| Type | Bank |
| Address | DOTHAN, AL 36304 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 31, 2019 |
| Property Address | 1713 DISCOVERY LOOP, PANAMA CITY, FL 32405-2946 |
| Document Number | 0041291096 |
| Book / Page | 004129 / 001096 |
| Instrument Date | May 24, 2019 |
| Instrument | 51892 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,037.64 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1713 DISCOVERY LOOP PANAMA CITY FL 324052946, PANAMA CITY, FL 32405-2946 |
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $3,848.00 (-5.71%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $290,698 (+6.34%) | $352,135 (+18.36%) Land $66,300 Building $285,835 |
| 2023 | $4,081.00 (+6.17%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $273,359 (+3%) | $297,506 (+12.1%) Land $56,265 Building $241,241 |
| 2022 | $3,844.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $265,397 Land $51,700 Building $213,697 | $265,397 Land $51,700 Building $213,697 |
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 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 |
|
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 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.
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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