1. Home
  2. Florida
  3. Bay County
  4. Panama City
  5. Discovery Loop

1804 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1804 Discovery Loop, Panama City, FL 32405

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,757 sqft · built 2019
Lot Size0.117 acres (5,140 sqft)
OwnerIndividual Name on Record
Last Sale$309,500 (Sep 2019)
Tax Bill$4,020 (2025)
Deeds & MortgagesSep 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN11731-250-480

Property Details

APN / Parcel Number

Primary APN11731-250-480

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,757 sqft Heated Area
Gross Area2,619 sqft
1st Floor Area1,757 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,140 sqft (0.117 acres)
Lot Dimensions115 ft deep x 45 ft wide
DrivewayDriveway
Driveway Area40 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1804 DISCOVERY LOOP
CityPANAMA CITY
StateFL
Zip32405-2917
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PH 1C REPLAT LOT 231 ORB 4167 P 99
Legal Range14W
Legal Township03S
Legal Section18
Legal SubdivisionSWEETBAY
Legal Phase1C
Legal Lot Number231
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1014
Census Tract1501

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 RecordIndividual Name on Record
Mailing Address1804 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 12, 2019 · Amount on Record
Deed SaleSep 12, 2019 · Amount on Record
Deed Document Number2019080903
Deed Book / Page4167 / 0099
Record UpdatedJun 8, 2026

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 12, 2019
Property Address1804 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number0041670099
Book / Page4167 / 0099
Map ReferenceMB 27 PG 3
Instrument DateSep 6, 2019
Instrument2019080903
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,166.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address400 S ARNOLD RD, 400, PANAMA CITY BEACH, FL 32413-2110

Transferred To (Grantee/Buyer)

NameVerified Name
Address1209 GEORGIA AVE, LYNN HAVEN, FL 32444-2544

Mortgage

Document Number0004167101
DateSep 12, 2019
Instrument4167/101
Lender
NamePANHANDLE EDUCATORS FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2049

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,020.00 (-3.39%) Homeowner's exemption$296,616 (+8.97%)$375,721 (+20.64%) Land $66,300 Building $309,421
2023$4,161.00 (+6.15%) Homeowner's exemption$272,195 (+3%)$311,451 (+12.41%) Land $56,265 Building $255,186
2022$3,920.00 Homeowner's exemption$264,267$277,069 Land $51,700 Building $225,369

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 300 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies300 in force
Nearby Flood Claims154 (1984–2022)
Claims Outside the SFHA16 of 154
Most Recent ClaimMay 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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPANAMA CITY WATER SYSTEM
serves 34,345 people · EPA ID FL1030517
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionFeb 2026
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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.

Nearby Properties on Discovery Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures