2009 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 2009 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,370 sqft · built 2018
Lot Size	0.126 acres (5,488 sqft)
Owner	2 Individual Names on File
Last Sale	$353,117 (Jul 2018)
Tax Bill	$4,752 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11731-150-068`

Property Details

APN / Parcel Number

Primary APN	`11731-150-068`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,370 sqft Living Area
1st Floor Area	1,090 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,488 sqft (0.126 acres)
Lot Dimensions	115 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	28 sqft
Porch	Open Porch
Porch Area	508 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2009 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2799
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWEETBAY PHASE 1A-2 LOT 100 ORB 4029 P 1384
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-2
Legal Phase	1A
Legal Lot Number	100
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1040
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	2009 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 19, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 19, 2018 · Amount on Record
Deed Sale	Jul 19, 2018 · Amount on Record
Prior Sale	Jun 1, 2016
Deed Document Number	201842961
Deed Book / Page	4029 / 1384
Last Transfer Date	Oct 15, 2024
Transfer Doc	0048500262
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2009 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Transaction Type	Mortgage
Record Updated	Sep 26, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046062045
Date	Sep 6, 2022
Book Page	4606/2045
Instrument	2022065876

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2009 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2009 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799

Mortgage

Document Number	0043430824
Date	Dec 29, 2020
Book Page	4343/824
Instrument	2020087480

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

July 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 19, 2018
Property Address	2009 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Document Number	0040291384
Book / Page	004029 / 001384
Instrument Date	Jul 11, 2018
Instrument	42961
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 13, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,471.82
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	2009 DISCOVERY LOOP PANAMA CITY FL 324052799, PANAMA CITY, FL 32405-2799

Mortgage

Document Number	40291387
Date	Jul 19, 2018
Book Page	004029/001387
Instrument	42962

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2048

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	$4,752.00 (+0.06%) Homeowner's exemption	$342,941 (+6.76%)	$468,304 (+18.72%) Land $66,300 Building $402,004
2024	$4,749.00 (-6.16%)
2023	$5,061.00 (+6.48%) Homeowner's exemption	$321,231 (+3%)	$394,454 (+12.57%) Land $56,265 Building $338,189
2022	$4,753.00 Homeowner's exemption	$311,875	$350,395 Land $51,700 Building $298,695

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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