1824 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1824 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 2019
Lot Size	0.117 acres (5,140 sqft)
Owner	Individual Name on Record
Last Sale	$302,334 (Nov 2019)
Tax Bill	$3,217 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`11731-250-430`

Property Details

APN / Parcel Number

Primary APN	`11731-250-430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,745 sqft Heated Area
Gross Area	2,576 sqft
1st Floor Area	1,745 sqft
Flooring	Vinyl/Resilient
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	1824 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 226 ORB 4195 P 2218
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY
Legal Phase	1C
Legal Lot Number	226
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
Mailing Address	1824 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 27, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Deed Document Number	2019102160
Deed Book / Page	4195 / 2218
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1824 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1824 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917

Mortgage

Document Number	0049731853
Date	Nov 17, 2025
Book Page	4973/1853
Instrument	2025066533

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 27, 2019
Property Address	1824 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0041952218
Book / Page	004195 / 002218
Instrument Date	Nov 26, 2019
Instrument	102160
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,117.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3326 FARO ST MONTGOMERY AL 361101116, MONTGOMERY, AL 36110-1116

Mortgage

Document Number	41952220
Date	Nov 27, 2019
Book Page	004195/002220
Instrument	102161

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

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	$3,217.00 (-10.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$255,747 (+5.99%)	$364,804 (+18.61%) Land $66,300 Building $298,504
2023	$3,583.00 (+5.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$241,300 (+3%)	$307,565 (+12.4%) Land $56,265 Building $251,300
2022	$3,391.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$234,272	$273,638 Land $51,700 Building $221,938

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.

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