1980 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 1980 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Public School (Administration, Campus, Dorms, Instruction)
Details	88,106 sqft · built 1997
Lot Size	12.2 acres (532,085 sqft)
Owner	Company Name on File
Deeds & Mortgages	Sep 2023 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`11728-001-001`

Property Details

APN / Parcel Number

Primary APN	`11728-001-001`

Interior

Total Rooms	26 Rooms
Stories	2 Stories
Building Area	88,106 sqft Heated Area
1st Floor Area	80,736 sqft
2nd Floor Area	7,370 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Steel Frame
Roof Type	Steel Frame/Truss
Roof Material	Other
Lot Area	532,085 sqft (12.2 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1980 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2771
Property Category	Public Works
Property Type	Public Works > Public School (Administration, Campus, Dorms, Instruction)
Local Zoning Code	PC11
Legal Description	19 3S 14W (SCHOOL LEASE) COM AT THE SW COR OF SEC 19 TH RUN E 99.87' TH CONT E FOR
Legal Range	14W
Legal Township	03S
Legal Section	18
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

Source: Bay County records · APN 11728-001-001

Assessment roll updated July 1, 2025 · Last verified February 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 File
Mailing Address	1980 DISCOVERY LOOP, PANAMA CITY, FL 32405-2771
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 22, 2016
Deed Sale	Apr 22, 2016
Deed Document Number	2016020604
Deed Book / Page	3789 / 0575
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1980 DISCOVERY LOOP, PANAMA CITY, FL 32405-2771
Transaction Type	Mortgage
Record Updated	Oct 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1980 DISCOVERY LOOP, PANAMA CITY, FL 32405-2771

Mortgage

Document Number	0047301830
Date	Sep 14, 2023
Book Page	4730/1830
Instrument	2023058644

Lender

Name	CADENCE BANK NA
Type	Bank
Address	PANAMA CITY, FL 32406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$9,805,692 (+30.73%) Land $366,450 Building $9,439,242	$9,805,692 (+30.73%) Land $366,450 Building $9,439,242
2023	Additional exemption filed	$7,500,747 Land $366,450 Building $7,134,297	$7,500,747 Land $366,450 Building $7,134,297

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

May also be available: Xfinity.

Based on FCC filings for 274 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.