1800 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1800 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,392 sqft · built 2019
Lot Size	0.117 acres (5,140 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jul 2023)
Tax Bill	$6,917 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`11731-250-490`

Property Details

APN / Parcel Number

Primary APN	`11731-250-490`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,392 sqft Heated Area
Gross Area	3,508 sqft
1st Floor Area	1,128 sqft
2nd Floor Area	1,264 sqft
Interior Walls	Wallboard/Drywall

Exterior

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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1800 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PH 1C REPLAT LOT 232 ORB 4714 P 1386
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY
Legal Phase	1C
Legal Lot Number	232
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1800 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · VA Mortgage EXTREME LOANS LLC
Jul 31, 2023	Warranty Deed, Transfer · VA Mortgage TRUSTMARK NATIONAL BANK
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Mar 2, 2020	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Mar 2, 2020 · Amount on Record
Deed Document Number	2023047473
Deed Book / Page	4714 / 1386
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1800 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917

Mortgage

Document Number	0049591826
Date	Oct 3, 2025
Book Page	4959/1826
Instrument	2025057428

Lender

Name	EXTREME LOANS LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 31, 2023
Property Address	1800 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0047141386
Book / Page	4714 / 1386
Map Reference	MB 27 PG 3
Instrument Date	Jul 26, 2023
Instrument	2023047473
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 WINDOVER CIR, MERIDIAN, MS 39305-2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917

Mortgage

Document Number	0047141388
Date	Jul 31, 2023
Book Page	4714/1388
Instrument	2023047474

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1800 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043180049
Date	Nov 2, 2020
Book Page	4318/49
Instrument	2020073005

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 2, 2020
Property Address	1800 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0042272080
Book / Page	004227 / 002080
Instrument Date	Feb 28, 2020
Instrument	15968
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27 FORESIDE CMN PORTLAND ME 041052318, PORTLAND, ME 04105-2318

Mortgage

Document Number	42272087
Date	Mar 2, 2020
Book Page	004227/002087
Instrument	15971

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

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	$6,917.00 (+20.17%) Homeowner's exemption	$480,040 (+31.72%) Land $66,300 Building $413,740	$480,040 (+20.49%) Land $66,300 Building $413,740
2023	$5,756.00 (+6.87%) Homeowner's exemption	$364,438 (+3%)	$398,394 (+12.6%) Land $56,265 Building $342,129
2022	$5,386.00 Homeowner's exemption	$353,823 Land $51,700 Building $302,123	$353,823 Land $51,700 Building $302,123

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 99.8% of the US · lower than 99.7% 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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
WOW Internet, Cable & Phone Fiber	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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