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1909 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1909 Discovery Loop, Panama City, FL 32405 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,612 sqft · built 2019
Lot Size0.129 acres (5,619 sqft)
OwnerIndividual Name on File
Last Sale$376,402 (Mar 2019)
Tax Bill$4,957 (2025)
Deeds & MortgagesAug 2020 Mortgage
Mar 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11731-200-050

Property Details

APN / Parcel Number

Primary APN11731-200-050

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,612 sqft Living Area
Gross Area3,053 sqft
1st Floor Area2,612 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialOther
Lot Area5,619 sqft (0.129 acres)
Lot Dimensions113 ft deep x 51 ft wide
Garage TypeAttached
Garage Area441 sqft
DrivewayDriveway
Driveway Area40 sqft
PorchOpen Porch
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1909 DISCOVERY LOOP
CityPANAMA CITY
StateFL
Zip32405-2948
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PHASE 1B LOT 177 ORB 4292 P 2062
Legal Range14W
Legal Township03S
Legal Section19
Legal SubdivisionSWEETBAY PHASE 1B
Legal Phase1B
Legal Lot Number177
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1037
Census Tract1501

Owner

Source: Bay County records · APN 11731-200-050

Assessment roll updated January 5, 2026 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address1909 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
REGIONS BANK
Mar 27, 2019Warranty Deed, Transfer · Conventional Mortgage
PANHANDLE EDUCATORS FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 27, 2019 · Amount on Record
Deed SaleMar 27, 2019 · Amount on Record
Deed Document Number201931783
Deed Book / Page4105 / 1250
Last Transfer DateAug 17, 2020
Transfer Doc0042922062
Record UpdatedJun 08, 2026

August 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY FL
Recording DateAug 31, 2020
Property Address1909 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number0042922062
Book / Page4292 / 2062
Map ReferenceMB 25 PG 88
Instrument DateAug 17, 2020
Instrument2020057136
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyMORTGAGE CONNECT LP

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1909 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948

Mortgage

Document Number0042922065
DateAug 31, 2020
Instrument4292/2065
Lender
NameREGIONS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateMar 27, 2019
Property Address1909 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number0041051250
Book / Page4105 / 1250
Map ReferenceMB 25 PG 88
Instrument DateMar 26, 2019
Instrument2019031783
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,635.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1903 WRIGHT PL STE 220, 1903, CARLSBAD, CA 92008-6584

Transferred To (Grantee/Buyer)

NameVerified Name
Address1909 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948

Mortgage

Document Number2019031784
DateMar 27, 2019
Instrument2019031784
Lender
NamePANHANDLE EDUCATORS FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2049

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityPanama City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,957.00 (+0.16%) Homeowner's exemption$355,949 (+5.99%)$495,169 (+18.68%) Land $66,300 Building $428,869
2024$4,949.00 (-7.1%)
2023$5,327.00 (+6.58%) Homeowner's exemption$335,842 (+3%)$417,213 (+12.64%) Land $56,265 Building $360,948
2022$4,998.00 Homeowner's exemption$326,060$370,402 Land $51,700 Building $318,702

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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