1836 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1836 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,340 sqft · built 2020
Lot Size	0.117 acres (5,140 sqft)
Owner	Individual Name on Record
Last Sale	$580,000 (Nov 2023)
Tax Bill	$7,303 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2020 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`11731-250-400`

Property Details

APN / Parcel Number

Primary APN	`11731-250-400`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,340 sqft Heated Area
Gross Area	3,488 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
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	78 sqft
Patio Area	78 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1836 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 223 ORB 4753 P 1324
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	SWEETBAY
Legal Phase	1C
Legal Lot Number	223
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
Co-owner	Co-owner on Record
Mailing Address	1836 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 4, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Oct 16, 2019	Grant Deed, Transfer AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Prior Sale	May 4, 2020 · Amount on Record
Deed Document Number	2023074658
Deed Book / Page	4753 / 1324
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 30, 2023
Property Address	1836 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0047531324
Book / Page	4753 / 1324
Map Reference	MB 27 PG 3
Instrument Date	Nov 30, 2023
Instrument	2023074658
Transaction Type	Transfer
Record Updated	Dec 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,060.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5014 E ROSEWOOD ST, TUCSON, AZ 85711-1238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1836 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917

Mortgage

Document Number	0047531326
Date	Nov 30, 2023
Instrument	4753/1326

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 4, 2020
Property Address	1836 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0042480230
Book / Page	004248 / 000230
Instrument Date	Apr 30, 2020
Instrument	29180
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$2,843.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5014 E ROSEWOOD ST TUCSON AZ 857111238, TUCSON, AZ 85711-1238

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Oct 16, 2019
Property Address	1836 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Document Number	0041800629
Book / Page	004180 / 000629
Instrument Date	Oct 15, 2019
Instrument	90823
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$23,287.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 S ARNOLD RD PANAMA CITY BEACH FL 324132110, PANAMA CITY BEACH, FL 32413-2110

Mortgage

Document Number	41800645
Date	Oct 16, 2019
Book Page	004180/000645
Instrument	90826

Lender

Name	AMERIS BK
Type	Bank

Agreement

Amount	Amount Recorded

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	$7,303.00 (-0.44%) Homeowner's exemption	$504,459 (+19.75%) Land $66,300 Building $438,159	$504,459 (+19.75%) Land $66,300 Building $438,159
2023	$7,335.00 (+15.8%)	$421,276 (+12.57%) Land $56,265 Building $365,011	$421,276 (+12.57%) Land $56,265 Building $365,011
2022	$6,334.00	$374,237 Land $51,700 Building $322,537	$374,237 Land $51,700 Building $322,537

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
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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