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2005 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 2005 Discovery Loop, Panama City, FL 32405 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,745 sqft · built 2018
Lot Size0.126 acres (5,488 sqft)
OwnerIndividual Name on File
Last Sale$285,882 (Aug 2018)
Tax Bill$2,850 (2025)
Deeds & MortgagesOct 2018 Mortgage
Jan 2020 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN11731-150-069

Property Details

APN / Parcel Number

Primary APN11731-150-069

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,745 sqft Living Area
1st Floor Area1,745 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialOther
Lot Area5,488 sqft (0.126 acres)
Lot Dimensions115 ft deep x 48 ft wide
Garage TypeDetached
Garage Area660 sqft
DrivewayDriveway
Driveway Area28 sqft
PorchSlab
Porch Area390 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2005 DISCOVERY LOOP
CityPANAMA CITY
StateFL
Zip32405-2799
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSWEETBAY PHASE 1A-2 LOT 101 ORB 4216 P 2341
Legal Range14W
Legal Township03S
Legal Section19
Legal SubdivisionSWEETBAY PHASE 1A-2
Legal Phase1A
Legal Lot Number101
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group1
Census Block1040
Census Tract1501

Owner

Source: Bay County records · APN 11731-150-069

Assessment roll updated January 5, 2026 · Last verified May 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 Address2005 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 08, 2018Deed of Trust, Mortgage · Commercial Mortgage
WHITNEY BANK
Jan 31, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 21, 2018Warranty Deed, Subdivision Related Transfer
SETCO SERVICES LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 21, 2018 · Amount on Record
Deed SaleAug 21, 2018 · Amount on Record
Prior SaleJun 01, 2016
Deed Document Number201850162
Deed Book / Page4040 / 106
Last Transfer DateJan 29, 2020
Transfer Doc0042162341
Record UpdatedJun 08, 2026

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address2005 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040550669
DateOct 08, 2018
Book Page4055/0669
Instrument2018060492
Lender
NameWHITNEY BANK
TypeBank
AddressPANAMA CITY BEACH, FL 32407
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term299 Months
DueSep 11, 2043
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY FL
Recording DateJan 31, 2020
Property Address2005 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Document Number0042162341
Book / Page004216 / 002341
Instrument DateJan 29, 2020
Instrument7771
Transaction TypeTransfer
Record UpdatedFeb 20, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address2005 DISCOVEIY LOOP PANAMA CITY FL 32405, PANAMA CITY, FL 32405

August 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateAug 21, 2018
Property Address2005 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Document Number0040400106
Book / Page004040 / 000106
Instrument DateAug 16, 2018
Instrument50162
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 31, 2018
Title CompanySETCO SERVICES LLC

Transaction

AmountAmount Recorded
Tax$2,001.17
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address300 AUGUSTA RD #316 PANAMA CITY FL 324070235, 316, PANAMA CITY, FL 32407-0235

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified May 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$2,850.00 (-1.86%) Homeowner's exemption$222,540 (+5.99%)$382,292 (+18.12%) Land $66,300 Building $315,992
2024$2,904.00 (-8.85%)
2023$3,186.00 (+9.22%) Homeowner's exemption$209,969 (+3%)$323,654 (+12.45%) Land $56,265 Building $267,389
2022$2,917.00 Homeowner's exemption$203,853$287,827 Land $51,700 Building $236,127

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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