1805 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1805 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,338 sqft · built 2019
Lot Size	0.117 acres (5,140 sqft)
Owner	Individual Name on File
Last Sale	$367,625 (Jun 2019)
Tax Bill	$4,747 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11731-200-035`

Property Details

APN / Parcel Number

Primary APN	`11731-200-035`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,338 sqft Heated Area
Gross Area	3,334 sqft
1st Floor Area	1,128 sqft
2nd Floor Area	1,210 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	1805 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1B LOT 162 ORB 4136 P 361
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1B
Legal Phase	1B
Legal Lot Number	162
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1023
Census Tract	1501

Owner

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

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
Co-owner	Verified Secondary Owner
Mailing Address	1805 DISCOVERY LOOP, PANAMA CITY, FL 32405-2947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 19, 2019	Warranty Deed, Subdivision Related Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 19, 2019 · Amount on Record
Deed Sale	Jun 19, 2019 · Amount on Record
Deed Document Number	2019057231
Deed Book / Page	4136 / 0361
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1805 DISCOVERY LOOP, PANAMA CITY, FL 32405-2947
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 DISCOVERY LOOP, PANAMA CITY, FL 32405-2947

Mortgage

Document Number	0044340513
Date	Jul 14, 2021
Book Page	4434/513
Instrument	2021054051

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 19, 2019
Property Address	1805 DISCOVERY LOOP, PANAMA CITY, FL 32405-2947
Document Number	0041360361
Book / Page	4136 / 0361
Map Reference	MB 25 PG 88
Instrument Date	Jun 14, 2019
Instrument	2019057231
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,573.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 WRIGHT PL STE 220, 1903, CARLSBAD, CA 92008-6584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 DISCOVERY LOOP, PANAMA CITY, FL 32405-2947

Mortgage

Document Number	0004136364
Date	Jun 19, 2019
Instrument	4136/364

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

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	$4,747.00 (-6.26%) Homeowner's exemption	$342,611 (+5.99%)	$443,900 (+18.66%) Land $66,300 Building $377,600
2023	$5,064.00 (+6.54%) Homeowner's exemption	$323,257 (+3%)	$374,100 (+12.56%) Land $56,265 Building $317,835
2022	$4,753.00 Homeowner's exemption	$313,842	$332,350 Land $51,700 Building $280,650

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 minimal risk
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

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 USA Fixed Wireless	100 / 20

May also be available: Xfinity.

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