Bay County property record for 1808 Discovery Loop, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,757 sqft · built 2019 |
| Lot Size | 0.118 acres (5,140 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $339,000 (Feb 2021) |
| Tax Bill | $6,810 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Feb 2021 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 11731-250-470 |
| Primary APN | 11731-250-470 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,757 sqft Living Area |
| 1st Floor Area | 1,757 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,140 sqft (0.118 acres) |
| Lot Dimensions | 115 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 40 sqft |
| Porch | Open Porch |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1808 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 230 ORB 4366 P 1396 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 18 |
| Legal Subdivision | SWEETBAY PH 1C REPLAT |
| Legal Phase | 1C |
| Legal Lot Number | 230 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1501 |
Source: Bay County records · APN 11731-250-470
Assessment roll updated January 5, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 16317 BARTON ST, OVERLAND PARK, KS 66221-6911 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jun 25, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 23, 2021 | Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Sep 13, 2019 | Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 23, 2021 · Amount on Record |
| Deed Sale | Feb 23, 2021 · Amount on Record |
| Prior Sale | Sep 13, 2019 · Amount on Record |
| Deed Document Number | 202112632 |
| Deed Book / Page | 4366 / 1396 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 25, 2026 |
| Property Address | 1808 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917 |
| Document Number | 0000038648 |
| Book / Page | 5049 / 1224 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202638648 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 16317 BARTON ST, OVERLAND PARK, KS 66221-6911 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 23, 2021 |
| Property Address | 1808 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917 |
| Document Number | 0043661396 |
| Book / Page | 4366 / 1396 |
| Map Reference | MB 27 PG 3 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 2021012632 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,373.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2915 ISLAND VIEW CIR, 2915, PANAMA CITY, FL 32405-2112 |
| Name | Verified Name |
|---|---|
| Address | 16317 BARTON ST, OVERLAND PARK, KS 66221-6911 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 13, 2019 |
| Property Address | 1808 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917 |
| Document Number | 0041671305 |
| Book / Page | 004167 / 001305 |
| Instrument Date | Sep 12, 2019 |
| Instrument | 81345 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2020 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2915 ISLAND VIEW CIR PANAMA CITY FL 324052112, PANAMA CITY, FL 32405-2112 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified July 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 | $6,810.00 (+11.49%) | $412,241 (+18.11%) Land $66,300 Building $345,941 | $412,241 (+18.11%) Land $66,300 Building $345,941 |
| 2023 | $6,108.00 (+16.81%) | $349,020 (+12.26%) Land $56,265 Building $292,755 | $349,020 (+12.26%) Land $56,265 Building $292,755 |
| 2022 | $5,229.00 | $310,900 Land $51,700 Building $259,200 | $310,900 Land $51,700 Building $259,200 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050015011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 274 locations within half a mile · Last verified October 2026
| 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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