1913 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1913 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,562 sqft · built 2019
Lot Size	0.134 acres (5,837 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Apr 2026)
Tax Bill	$683 (2023)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11731-200-051`

Property Details

APN / Parcel Number

Primary APN	`11731-200-051`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,562 sqft Living Area
Gross Area	4,024 sqft
1st Floor Area	2,488 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	5,837 sqft (0.134 acres)
Lot Dimensions	115 ft deep x 51 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	66 sqft
Porch	Florida Room
Patio Area	624 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1913 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 178 ORB 4117 P 1864
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1B
Legal Phase	1B
Legal Lot Number	178
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1037
Census Tract	1501

Owner

Source: Bay County assessment roll, as of January 5, 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 File
Mailing Address	1816 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 15, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 21, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PANHANDLE CU
Apr 20, 2026	Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Apr 20, 2026	Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Apr 30, 2019	Warranty Deed, Subdivision Related Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 20, 2026 · Amount on Record
Deed Sale	Apr 20, 2026 · Amount on Record
Prior Sale	Apr 30, 2019 · Amount on Record
Deed Document Number	202623112
Deed Book / Page	5025 / 548
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1913 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Transaction Type	Mortgage
Record Updated	May 11, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044241093
Date	Jun 24, 2021
Book Page	4424/1093
Instrument	2021047901

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1913 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Transaction Type	Mortgage
Record Updated	May 11, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045361705
Date	Mar 15, 2022
Book Page	4536/1705
Instrument	2022018979

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1913 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Transaction Type	Mortgage
Record Updated	May 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1913 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948

Mortgage

Document Number	0049042107
Date	Apr 21, 2025
Book Page	4904/2107
Instrument	2025021495

Lender

Name	PANHANDLE CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 14, 2040

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	8.25%
Max Rate At Change	10.2%
Max Rate	14.2%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 20, 2026
Property Address	1913 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number	0000023112
Book / Page	5025 / 548
Instrument Date	Apr 13, 2026
Instrument	2026.23112
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$448,945.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1816 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917

Mortgage

Document Number	0000023113,
Date	Apr 20, 2026
Instrument	2026..23113

Lender

Name	CMG MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 20, 2026
Property Address	1913 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number	0050250548
Book / Page	5025 / 548
Instrument Date	Apr 13, 2026
Instrument	2026.23112
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$448,945.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1816 DISCOVERY LOOP, PANAMA CITY, FL 32405-2917

Mortgage

Document Number	0000023113,
Date	Apr 20, 2026
Book Page	5025/550
Instrument	2026.23113

Lender

Name	CMG MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 30, 2019
Property Address	1913 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number	0041171864
Book / Page	004117 / 001864
Instrument Date	Apr 24, 2019
Instrument	42557
Transaction Type	Subdivision Related Transfer
Record Updated	May 22, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,067.97
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	1913 DISCOVERY LOOP PANAMA CITY FL 324052948, PANAMA CITY, FL 32405-2948

Mortgage

Document Number	41171867
Date	Apr 30, 2019
Book Page	004117/001867
Instrument	42558

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.12%

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$459,325 (+11.02%)	$553,395 (+22.53%) Land $66,300 Building $487,095
2023	$683.00 (-12.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$413,737 (+3%)	$451,627 (+12.43%) Land $56,265 Building $395,362
2022	$782.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$401,686 Land $51,700 Building $349,986	$401,686 Land $51,700 Building $349,986

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	Not rated no burnable land within ember reach

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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, WOW Internet, Cable & Phone.

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