1905 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1905 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,368 sqft · built 2019
Lot Size	0.128 acres (5,619 sqft)
Owner	Company Name on Record
Last Sale	$575,000 (Jul 2021)
Tax Bill	$10,032 (2025)
Deeds & Mortgages	Jul 2021 Sale Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11731-200-049`

Property Details

APN / Parcel Number

Primary APN	`11731-200-049`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,368 sqft Heated Area
Gross Area	4,104 sqft
1st Floor Area	2,528 sqft
2nd Floor Area	840 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	5,619 sqft (0.128 acres)
Lot Dimensions	113 ft deep x 51 ft wide
Driveway	Driveway
Driveway Area	66 sqft
Patio Area	322 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1905 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1B LOT 176 ORB 4433 P 631
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1B
Legal Phase	1B
Legal Lot Number	176
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1037
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	Company Name on Record
Mailing Address	3912 PRINCESS LN, PANAMA CITY, FL 32405-1234
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 25, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 21, 2019	Warranty Deed SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	2021053385
Deed Book / Page	4433 / 631
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 13, 2021
Property Address	1905 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number	0044330631
Book / Page	4433 / 631
Map Reference	MB 25 PG 88
Instrument Date	Jun 30, 2021
Instrument	2021053385
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 DISCOVERY LOOP, 1905, PANAMA CITY, FL 32405-2948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 PRINCESS LN, PANAMA CITY, FL 32405-1234

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 25, 2019
Property Address	1905 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number	0041372244
Book / Page	4137 / 2244
Map Reference	MB 25 PG 88
Instrument Date	Jun 20, 2019
Instrument	2019058760
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,128.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2136 ISLAND LAKE CIR, PANAMA CITY, FL 32405-2111

Mortgage

Document Number	0041372247
Date	Jun 25, 2019
Instrument	4137/2247

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

November 2019: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 21, 2019
Property Address	1905 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number	0041931112
Book / Page	004193 / 001112
Instrument Date	May 8, 2019
Instrument	100453
Record Updated	Dec 9, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2136 ISLAND LAKE CIR PANAMA CITY FL 324052111, PANAMA CITY, FL 32405-2111

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	$10,032.00 (+7.58%)	$635,190 (+18.24%) Land $66,300 Building $568,890	$635,190 (+18.24%) Land $66,300 Building $568,890
2023	$9,325.00 (+17.28%)	$537,186 (+12.52%) Land $56,265 Building $480,921	$537,186 (+12.52%) Land $56,265 Building $480,921
2022	$7,951.00	$477,412 Land $51,700 Building $425,712	$477,412 Land $51,700 Building $425,712

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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