1917 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1917 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,488 sqft · built 2019
Lot Size	0.135 acres (5,881 sqft)
Owner	Individual Name on Record
Last Sale	$360,172 (Mar 2019)
Tax Bill	$6,789 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11731-200-052`

Property Details

APN / Parcel Number

Primary APN	`11731-200-052`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,488 sqft Heated Area
Gross Area	3,222 sqft
1st Floor Area	2,488 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	5,881 sqft (0.135 acres)
Lot Dimensions	115 ft deep x 52 ft wide
Driveway	Driveway
Driveway Area	50 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1917 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 179 ORB 4096 P 1946
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1B
Legal Phase	1B
Legal Lot Number	179
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	Individual Name on Record
Mailing Address	1425 POPPY CT, PANAMA CITY, FL 32405-2968
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 4, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2019 · Amount on Record
Deed Sale	Mar 4, 2019 · Amount on Record
Deed Document Number	2019023780
Deed Book / Page	4096 / 1946
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1917 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948

Mortgage

Document Number	0043312118
Date	Dec 2, 2020
Book Page	4331/2118
Instrument	2020081271

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 4, 2019
Property Address	1917 DISCOVERY LOOP, PANAMA CITY, FL 32405-2948
Document Number	0040961946
Book / Page	004096 / 001946
Instrument Date	Feb 27, 2019
Instrument	23780
Transaction Type	Subdivision Related Transfer
Record Updated	May 22, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,521.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 DISCOVERY LOOP PANAMA CITY FL 324052948, PANAMA CITY, FL 32405-2948

Mortgage

Document Number	40961949
Date	Mar 4, 2019
Book Page	004096/001949
Instrument	23781

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 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	$6,789.00 (+6.88%)	$429,897 (+18.32%) Land $66,300 Building $363,597	$429,897 (+18.32%) Land $66,300 Building $363,597
2023	$6,352.00 (+15.6%)	$363,320 (+12.3%) Land $56,265 Building $307,055	$363,320 (+12.3%) Land $56,265 Building $307,055
2022	$5,495.00	$323,517 Land $51,700 Building $271,817	$323,517 Land $51,700 Building $271,817

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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