1816 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1816 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,338 sqft · built 2019
Lot Size	0.118 acres (5,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,465 (Sep 2019)
Tax Bill	$4,920 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11731-250-450`

Property Details

APN / Parcel Number

Primary APN	`11731-250-450`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,338 sqft Living Area
1st Floor Area	1,106 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1816 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 228 ORB 4169 P 1671
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY PH 1C REPLAT
Legal Phase	1C
Legal Lot Number	228
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 June 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1816 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Sep 19, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Sep 16, 2019	Deed of Trust, Mortgage · VA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2019 · Amount on Record
Deed Sale	Sep 19, 2019 · Amount on Record
Deed Document Number	201983040
Deed Book / Page	4169 / 1671
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1816 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0042980146
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1816 DISCOVERY LOOP PANAMA CITY FL 324052917, PANAMA CITY, FL 32405-2917

Mortgage

Document Number	0042980146
Date	Sep 8, 2020
Book Page	004298/000146
Instrument	59033

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 19, 2019
Property Address	1816 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0041691671
Book / Page	004169 / 001671
Instrument Date	Sep 16, 2019
Instrument	83040
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$2,586.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4412 BERWICK PL WOODBRIDGE VA 221925165, WOODBRIDGE, VA 22192-5165

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1816 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0041691676
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1816 DISCOVERY LOOP PANAMA CITY FL 324052917, PANAMA CITY, FL 32405-2917

Mortgage

Document Number	0041691676
Date	Sep 19, 2019
Book Page	004169/001676
Instrument	83043

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$4,920.00 (+3.32%) Homeowner's exemption	$353,574 (+9.01%)	$455,177 (+21.26%) Land $66,300 Building $388,877
2024	$4,762.00 (-6.33%)
2023	$5,084.00 (+6.56%) Homeowner's exemption	$324,337 (+3%)	$375,385 (+12.56%) Land $56,265 Building $319,120
2022	$4,771.00 Homeowner's exemption	$314,890	$333,507 Land $51,700 Building $281,807

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

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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